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A Personal Checking solution for everyone, at any stage of life

No matter where you are in life, we’ve got an account for you. And with our state-of-the-art technology, you’ll have access to your accounts, banking tools, and our knowledgeable team anytime you need us.

All of our checking accounts include amazing benefits:

  • Free first order of checks, contactless and mobile wallet-enabled Visa® debit card, and complimentary coin counting1
  • Online banking with eDocuments, chat, bill pay, real time alerts, and personalized financial management tools2
  • Mobile banking to easily deposit checks, get fast balances, and control your debit card 
  • Complimentary access to our Learning Hub financial education classes, and lifestyle events 
  • A team of experts available to answer all of your questions at our branches, by phone or through our ChelseaLIVE Video Banking App

Plus, you can select the additional benefits that will best serve you:

Relationship Checking: for the person looking to get the most out of their checking account. Enjoy free check reorders, earn interest and benefit from higher rates on Savings, CD and Money Market accounts, receive a $100 rebate after mortgage closing, and get 50% off on the first year of your Safe Deposit Box.3,4 Start Your Relationship

Cashback Banking: for the frequent debit card user. Earn $0.25 for every debit card transaction of $25 or more, up to $10/ month.5  Earn Cash Back

ATM Rebate Banking: for the person who uses ATMs out of network. We’ll refund the ATM fees other banks charge, up to $10/month.5  Get Rebates

Totally Free Checking: for all the basics. No monthly maintenance service charge and no minimum balance requirements.6  Get Totally Free Checking

We even have options for those who are new to banking:

Chelsea U Student Banking: For ages 13 – 22, who may not know everything about money management but are eager to learn. Our team will teach all the basics during account opening and our free classes “Starting Out” & “Financial Adulting”. Learn to use a debit card, save for a goal, manage finances through online and mobile banking, set up direct deposit and alert tools, and more.6

Confidence Builder Banking: For adults who haven’t banked before or who’ve struggled with banking in the past. Having a bank account can help you save, spend, and manage your money more effectively. With Confidence Builder, you’ll have a brand-new checking account with no overdrafts, and access to your own financial mentor who will guide you as you build confidence in personal money management, the banking system, and you take steps toward achieving your goals. You’ll also have access to innovative tools that will help you save money, deposit your paycheck, build credit, set spending limits, video call live with a banker from anywhere, and more!7

Still need a reason to choose Chelsea Groton for your checking?

We’re committed to supporting every customer’s needs and financial wellness goals, equally. We are proud to offer the best in digital, remote and in-person capabilities — an approach designed around the lives of our customers so you can manage finances when, where and how you want. When you bank with Chelsea Groton, you can access your money anytime, anywhere: 

If you want to open a new checking account, here’s a checklist to help organize the information needed to move direct deposits and bill payments.

Ready to open an account? 

Apply online, download our ChelseaLIVE Video Banking App to video call with a team member who can help you, or stop in to a branch today. 

A man looks at his personal checking account in online banking from his phone

See Schedule of Charges for the full list of related charges and requirements. 

Saving For The Future

Get started on a better tomorrow with a savings plan. Whether it’s for everyday savings, saving for a rainy day or that milestone event, now’s the time to get started.

Money When You Need It

Borrow smart — not to mention quickly and easily with our home loan options.

(1) Other fees may apply. Refer to schedule of charges. Certain check styles apply.
(2) Certain fees may apply for overnight check payments. Refer to schedule of charges. Bill payment is available to customers aged 18+. Service provider fees may apply from your internet service provider. Message and data rates may apply from your wireless carrier. 
(3) The account must be opened prior to the submission of the mortgage application. Credit will be deposited into the borrower’s Relationship Checking account after closing on a residential mortgage.
(4) Maintain a $4,000 minimum average daily balance in a combination of accounts to waive the $10 monthly maintenance service charge.
(5) Maintain a $100 minimum average daily balance to waive the $6 monthly maintenance service charge.
(6) No monthly maintenance service charge and no minimum balance requirements.
(7) No monthly maintenance service charge when enrolled in eStatements or Direct Deposit and no minimum balance requirements. Chelsea Groton Bank will decline or return transactions when there is not enough money in the account to cover the charge. Accounts could have a negative balance if a transaction is initially approved for an amount lower than the actual charge (ie: after a tip is added). If the actual charge exceeds the funds in your account, but the charge was already approved, Chelsea Groton will not charge you an overdraft fee.

Frequently Asked Questions

Initial orders are placed by the branch where your account was first opened. If you did not order checks at that time, you may place an order or reorder checks at any time through our Customer Care Center by calling 860-448-4200 or online.

Please call our Customer Care Center at 860-448-4200 or visit one of our branches.

View our Schedule of Charges or speak with a Customer Care Specialist at 1-860-448-4200.