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Rewarding your relationship

All checking accounts are the same, right? Not at Andover Bank. Our accounts come packed with real benefits, like Affinity Checking our best account!

  • High yield, premium tiered rate, paid monthly (with qualifying debit card activity and e-statements)
  • $10 monthly fee – waived with $2,000 in monthly account deposits; or $5,000 combined deposit and loan balances
  • $250 off mortgage closing costs
  • Free statement savings account
  • Transfer the Cents

All our checking accounts come with:

  • Online & Mobile Banking
  • Bill Pay
  • Account Alerts
  • Mobile Deposit
  • Android Pay™, Apple Pay™, Samsung Pay™
  • CardValet® (individual debit card controls)
  • Person-to-Person Payments (Popmoney®)
  • 24-Hour Telephone Banking
  • Access to 32,000+ nationwide ATMs fee-free with the MoneyPass network
  • 0.25% discount on consumer loans with auto pay*
  • Disclosure

Transfer the Cents

Put your savings on autopilot

It’s simple! We’ll link your debit card to your savings account and then you use your card for everyday purchases. We’ll automatically round up your purchase amount to the nearest dollar and transfer the difference to your savings! Transfer the Cents Example

*Offer not applicable on conventional mortgage loans. Requires an Andover Bank checking account from which loan payment is deducted.

To earn premium rate, account requirements must be met. Account requirements include, 12 debit card (POS) transactions of $10 or more to post and clear each statement cycle, and receiving e-statements. Total deposit and loan relationship is defined as the combined balance in all personal deposit and loan accounts. $250 off charged closing costs on owner-occupied 1st mortgage loans.

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Other Great Checking Options

Rewards Checking 1

Packed with real banking benefits.

  • $6 Monthly fee
  • Earns interest monthly
  • Free linked Companion Savings Account 2 with bonus rate
  • 1 free box of basic checks per year
  • 8 free money orders or cashier’s checks per month
  • Safe deposit box discount
  • Transfer the Cents
  • Disclosure

1. Shipping charges apply to check orders. Companion savings account must be linked to Rewards Checking Account to waive the monthly service fee.
2. To earn bonus rate, account requirements must be met. Account requirements include, 12 debit card (POS) transactions of $10 or more to post and clear each statement cycle on your linked Rewards Checking Account, and receiving e-statements.

Interest Checking 3

Classic checking with interest.

  • Earns interest on all your balances monthly
  • $10 monthly fee – waived with $1,500 minimum daily balance
  • Transfer the Cents
  • Disclosure

‚Äč3. To waive monthly service fee, a $1,500 minimum daily balance must be maintained. 

Value Checking 4

Just the basics.

  • No monthly fee
  • No minimum balance
  • E-statements required
  • Disclosure

 4. A $3 fee per statement cycle applies for paper statements.



Fees will apply for other services such as NSF/Overdraft fees and stop payments. Ask for a copy of our Schedule of Fees for a complete list. Interest earning checking accounts are variable rate accounts subject to change at any time (see "Common Features" below). 



Andover Bank Funds Availability

Andover Bank Substitute Checks

Andover Bank EFT Disclosure

Andover Bank Account Terms and Conditions

Andover Bank Mobile Banking Terms and Conditions

Andover Bank Common Features

Our knowledgeable account representatives will help you choose the account that is right for you. Contact us today by phone at 844-259-5473 or e-mail us at