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Personal Checking Accounts

Essex Savings Bank offers a wide variety of personal account products. Visit one of our conveniently located offices and we're sure you'll find an account that's just for you.

Free Checking

Includes Free Debit Card, Free First Order of Checks, Free Essex Web Banking, Free Electronic Bill Payment Access and More! There are no service charges, no fees with this easy-to-open account. These features make this checking account perfect for leaving your “other bank” without incurring any costs to open this account.*

*Essex Savings Bank also credits individuals with up to $12.00 per statement cycle to offset the ATM surcharge fees assessed by other financial institutions if you use your Debit/ATM card at a non-Essex Savings Bank location.


NOW Checking

The NOW Account is an interest bearing account with a very low minimum balance requirement to avoid service charges (only $1,500.00) and includes the free services and links of our free checking account.

Flag Ship Checking

This account offers a tiered rate of interest that increases with higher balances as well as providing customers with unlimited check writing. There is no fee as long as the minimum balance of $10,000 is maintained. Includes the free services and links of our free checking account.

Money Market Checking

If you are able to maintain a $2500.00 minimum balance throughout the statement cycle, have limited need for check-writing, and want a premium annual percentage yield, our Money Market checking may be the perfect account for you. 

You may make up to a total of six of the following transactions per statement cycle:  pre-authorized withdrawals, automatic or telephone transfers, checks, drafts and credit card transactions to third parties.  A $15.00 fee may be imposed for items exceeding this regulatory limit.

NOTE: For specific conditions and charges on our accounts, consult our Schedule of Deposit Accounts Charges, Deposit Account Contract and Electronic Funds Transfer Disclosure, or speak with a Customer Service Representative at any of our offices.
Essex Savings Bank offers a wide variety of personal account products.
Visit one of our conveniently located offices and we’re sure you’ll find an account that’s just for you.
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