Personal Checking A checking account is the core of your financial planning. It is where your money is deposited, your bills are paid from and the type of account that requires the most flexibility. That is why, at The Berkshire Bank, we offer you checking account options that provide you with the value, ease and convenience you need. Having your checking account with The Berkshire Bank also provides you the added security of knowing that your money is protected by the maximum insurance allowable under FDIC regulations. Checking Accounts* | Minimum
to Open | Monthly Fee | Average Daily
Collected Balance
to Avoid Fee | Other Account
Required | Online Banking & Bill Pay/ Mobile Banking | Additional Benefits | | E-Z Checking with E-Statements | $100 | $3.95 | None | None | Yes | 
| | Regular Checking | $100 | $8 | $1,200 | None | Yes |
| NOW Checking | $100 | $10 | $1,500 | None | Yes |
| | Gold Money Market | $2,500 | $10 | $2,500 | None | Yes | | Ultimate College Checking | $100 | None | None | None | Yes |
| | Super Security Checking | $100 | $10 | $500 | None | Yes |
| Money Market Checking | $100 | $10 | $2,500 | None | Yes |
| 60 & Better Checking | $100 | None | N/A | None | Yes |
| Basic Banking | $25 | $3 | N/A | None | Yes |
| | Blue Ribbon Checking | $100 | $8 | $800 | None | Yes |
| *For full details on all our products and services, please consult our Account Agreement and Disclosures and our Schedule of Fees and Services Charges
E-Z Checking with E-Statements
E-Z Checking with E-Statements is a perfect fit for a customer looking to write an unlimited number of checks and avoid minimum balance fees. You will also receive E-Statements directly to your inbox making your account information fast and easy to access. Prefer your statements mailed? Then our regular Checking account is right for you. If you do not enroll in E-Statements within thirty days of account opening, we will automatically switch you into our regular checking account.
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Regular Checking
With a Regular Checking account from The Berkshire Bank you can pay bills with ease. What’s more, if you keep the average monthly collected balance of $1,200, there is no monthly maintenance fee.
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NOW Checking
With a NOW Checking account, you can earn interest on your account with no monthly maintenance fee, as long as the $1,500 average collected balance is maintained. Take advantage of the convenience of The Berkshire Bank NOW Checking account. For additional convenience, why not arrange a direct deposit? Your money will be available to you at the opening of business on your scheduled deposit day. NOW Accounts are available to individuals, sole proprietors, individuals doing business under a trade name, qualified not-for-profit organizations, governmental units, or funds held by a fiduciary. Corporations, partnerships, associations, business trusts, or other organizations may not maintain a NOW Account.
| NOW Checking | Interest Rate | APY* | | $1,500 to $24,999 | 0.20% | 0.20% | | $25,000 to $999,999 | 0.45% | 0.45% | | $1,000,000 & over | 0.50% | 0.50% | Click Here for Terms and Conditions Return to Top
Gold Money Market account
Our Gold Money Market account offers you the best of both worlds. Here you will earn a highly attractive rate on a liquid account. For a great rate and access to your funds, look no further than our Gold Money Market account. It’s a win, win. See our highly competitive rates below.
| Gold Money Market | Interest Rate | APY* | | $2,500 to $19,999 | 0.50% | 0.50% | | $20,000 to $4,999,999 | 3.75% | 3.82% | | $5,000,000 to $9,999,999 | 3.75% | 3.82% | *APY (Annual Percentage Yield) valid as of 9/27/2024. Rates and offer subject to change without notice. Certain restrictions and fees may apply. Premium rate listed is for balances of $20,000-$4,999,999. Balances of $0 - $2,499.99 do not earn interest; Balances of $2,500-$19,999.99 will receive 0.50% APY; Balances between $5,000,000 - $9,999,999.99 will receive 3.82% APY. Balances of $10,000,000 and above will earn 3.82% APY. Minimum opening deposit of $2,500 required. Minimum daily balance of $2,500 avoids $10 monthly maintenance fee. Available to individuals and new money only. New money is defined as funds not on deposit at The Berkshire Bank for more than 30 days. Fees may reduce earnings on accounts. Other terms and conditions for your account are included in the Bank’s Account Agreement and Disclosures and the Schedule of Fees and Service Charges, provided to you at account opening. Return to Top
Ultimate College Checking
Looking to find the PERFECT college checking account? Look no further - Berkshire Ultimate College Checking has arrived! Berkshire Ultimate College Checking offers free checking for college students ages 18-24. Customers must provide proof of student status to open this account. There is no monthly maintenance fee. Speak with your local branch today for full details. *There may be an ATM fee charged by the foreign bank.
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Super Security Checking
Want MORE for your Social Security income? If you receive a monthly direct deposit from Social Security and can maintain a minimum daily balance of $500, you automatically qualify for our Super Security Checking. This account allows you to earn a premium interest rate while still having the flexibility of a completely liquid checking account. | Super Security Checking | Interest Rate | APY* | | $500 and above | 0.25% | 0.25%* |
* APY (Annual Percentage Yield) valid as of 10/1/2024. Rates and offer is subject to change without notice.Certain restrictions and fees may apply. Rate listed above is for balances of $500 and above. Minimum opening deposit of $100 required. Minimum daily balance of $500 avoids $10 monthly maintenance fee. Available to individuals with new money only. New money is defined as funds not on deposit at The Berkshire Bank for more than 30 days. Limited to one account per household. A household is a person or a group of people living in the same residence. In order to obtain the Super Security Checking Account, customer must have a monthly Direct Deposit from social security. For those customers missing the service required for this product, the account will be changed to a Regular NOW Account, should this occur in two consecutive months. Fees may reduce earnings on accounts. Other terms and conditions for your account are included in the Bank’s Account Agreement and Disclosures and the Schedule of Fees and Service Charges, provided to you at account opening.
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Money Market Checking
Earn competitive interest rates while enjoying limited access to your funds. The Berkshire Bank Money Market account is an interest bearing account with limited check writing privileges, imaged statements, and competitive pricing.
| Money Market | Interest Rate | APY* | | $2,500 to $24,999 | 0.10% | 0.10% | | $25,000 to $49,999 | 0.15% | 0.15% | | $50,000 to $99,999 | 0.15% | 0.15% | | $100,000 to $999,999 | 0.20% | 0.20% | | $1,000,000 & over | 0.10% | 0.10% | Click Here for Terms and Conditions
Return to Top 60 & Better Checking
This account is specially designed for persons 60 years and better offering the flexibility of a checking account with the added benefit of no monthly maintenance fee.
Return to Top Basic Banking Checking
This cost saving account offers you all the time-saving benefits of electronic banking in addition to convenient branches and ATM locations. This account is available only to New York State residents. If you open a Basic Banking Checking account you may not have any other transactional account with the Bank or any other financial institution.
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Blue Ribbon Checking
Looking for the best of both worlds? Why not try our Blue Ribbon Checking and Savings Accounts? By opening a highly competitive Blue Ribbon Savings Account linked to a Blue Ribbon Checking Account, you can create a simple way to handle your daily banking needs while earning interest. Click here to find out more about the benefits of a Blue Ribbon Savings Account.
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Terms and Conditions
Interest rates valid as of 10/1/2024.
Interest rates and offers are subject to change or may be modified or withdrawn at any time and without notice.
*APY refers to Annual Percentage Yield
Certain restrictions may apply.
Fees may reduce earnings on accounts.
Early withdrawal from some accounts, if permitted, may be subject to a penalty.
For full details on all our products and services, please consult our Account Agreement and Disclosures and our Schedule of Fees and Services Charges
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
