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Deposit Products

Checking and Savings Accounts

Northampton Cooperative Bank offers deposit products to meet the financial needs of people - just like you - within our Marketing Area. Listed below is a sample of some of our most popular deposit products with competitive Rates. To contact us, Click Here. To come in to open an account, just stop by one of our convenient Locations. If you would like to reorder checks use our secure Check Order Form.

COOP GOLD Checking
Become a Coop Gold customer with a $5,000.00 combined deposit balance (under common social security number) and receive all of the following benefits.
  • No monthly charge if the balance is maintained *
  • Free Coop Gold Personalized Checks
  • High Rate Coop Gold Money Market
  • Special Certificate of Deposit Rates
  • Unlimited ATM Transactions (Surcharges assessed by other banks may apply)
  • Unlimited transfers using our Ea$y Access Telephone Line call 1-800-501-2667
  • Free travelers checks
  • Free Online Banking and Bill Pay
    • * If the combined deposit balance falls below the $5,000.00, a monthly service charge of $12.00 will be deducted from your Coop Gold Checking Account.
    NOW Checking
  • Minimum deposit to open the account is $50.00
  • Minimum balance to waive service charge is $500.00 * - Free with Direct Deposit!
  • 1st order of 50 personalized checks free
  • Unlimited Coop ATM Transactions
  • Non Coop ATM Transactions - 5 per cycle free - .75 cents thereafter.(Surcharges assessed by other banks may apply)
  • Unlimited Check Writing - No Per Check Charge
  • Unlimited transfers using our Ea$y Access Telephone Line call 1-800-501-2667
  • Free Online Banking and Bill Pay
    • * If the minimum required balance falls below the $500.00, a monthly service charge of $5.00 will be deducted from your NOW Checking Account.
    FREE Checking
  • Minimum deposit to open the account is $10.00
  • There is NO Minimum balance requirement.
  • 1st order of 50 personalized checks free
  • Unlimited Coop ATM Transactions
  • Non Coop ATM Transactions - 5 per cycle free - .75 cents thereafter.(Surcharges assessed by other banks may apply)
  • Unlimited Check Writing - No Per Check Charge
  • Unlimited transfers using our Ea$y Access Telephone Line call 1-800-501-2667
  • Free Online Banking and Bill Pay
    • * There is no minimum balance requirement and no monhtly service charge on your FREE Checking Account.
    Basic Checking
  • Minimum deposit to open and maintain the account is $10.00
  • Eight checks per statement cycle - free
  • After the 8 free checks - .75 cents per check
  • Unlimited Coop ATM Transactions
  • Non Coop ATM Transactions - .75 cents each (Surcharges assessed by other banks may apply)
  • Unlimited transfers using our Ea$y Access Telephone Line call 1-800-501-2667
  • Free Online Banking and Bill Pay
    • A low monthly service charge of $3.00 will be deducted from your Basic Checking Account every statement cycle.
    Statement Savings Account
  • Minimum deposit to open the account is $50.00
  • Minimum balance to waive service charge is $300.00 *
  • Unlimited Coop ATM Transactions
  • Non Coop ATM Transactions - .75 cents each (Surcharges assessed by other banks may apply)
  • Limited transfers** using our Ea$y Access Telephone Line call 1-800-501-2667
  • Free Online Banking and Bill Pay
    • * If the minimum required balance falls below the $300.00, a monthly service charge of $2.00 will be deducted from your Statement Savings Account.
    ** Ea$y Access Telephone Transfers are limited to a combination of six transfers per statement cycle.
    Passbook Savings Account
  • Minimum deposit to open the account is $50.00
  • Minimum balance to waive service charge is $300.00 *
    • * If the minimum required balance falls below the $300.00, a monthly service charge of $2.00 will be deducted from your Passbook Savings Account.
    Tiered Statement Savings Account
  • Minimum deposit to open the account is $50.00
  • Minimum balance to waive service charge is $1,000.00 *
  • Unlimited Coop ATM Transactions
  • Non Coop ATM Transactions - .75 cents each (Surcharges assessed by other banks may apply)
  • Limited transfers** using our Ea$y Access Telephone Line call 1-800-501-2667
  • Free Online Banking and Bill Pay
    • * If the minimum required balance falls below the $1,000.00, a monthly service charge of $5.00 will be deducted from your Tiered Statement Savings Account.
    ** Ea$y Access Telephone Transfers are limited to a combination of six transfers per statement cycle.
    COOP GOLD Money Market Account
  • No monthly service charge for Coop Gold customers
  • Minimum deposit to open the account is $50.00
  • Higher tiered rates
  • Unlimited in-bank transactions
  • Unlimited Coop ATM Transactions
  • Limited transfers** using our Ea$y Access Telephone Line call 1-800-501-2667
  • Free Online Banking and Bill Pay
    • ** Ea$y Access Telephone Transfers are limited to a combination of six transfers per statement cycle.
    Money Market Deposit Account
  • Minimum deposit to open the account is $50.00
  • Minimum balance to waive service charge is $1,000.00 *
  • Unlimited Coop ATM Access
  • Limited transfers** using our Ea$y Access Telephone Line call 1-800-501-2667
  • Free Online Banking and Bill Pay
    • * If the minimum required balance falls below the $1,000.00, a monthly service charge of $5.00 will be deducted from your Money Market Account.
    ** Ea$y Access Telephone Transfers are limited to a combination of six transfers per statement cycle.
    Other Products and Services
  • Online Banking and Bill Pay
  • MasterMoney Debit Card
  • Account Fee Information
  • Safe Deposit Boxes
  • Ea$y Access Telephone Line call 1-800-501-2667

    • Business Banking Services

    Business Checking

  • No Minimum Balance Requirement.
  • $6.00 Monthly Charge (Earnings Credit may offset service charge)
  • Each check paid = .15 cents
  • Each deposit made = .65 cents
  • Each deposited item = .06 cents

    • Free Business Checking

  • No Minimum Balance Requirement
  • No deposit or deposited item charges
  • The first 50 checks written within each statement cycle are FREE, thereafter the charge is .75 cents per check

    • Business Money Market Account

  • Amount to open = $1,000.00
  • Minimum Balance Requirement = $1,000.00
  • Minimum balance to waive service charge is $1,00.00 *
  • Tiered Rate Structure

    • * If the minimum required balance falls below the $1,000.00, a monthly service charge of $5.00 will be deducted from your Business Money Market Account.

    Other Business Services

  • ATM Deposit Capabilities
  • Combined Statements
  • Night Deposit Box
  • Online Banking and Bill Pay
  • Safe Deposit Boxes
  • Treasury, Tax & Loan Payments (TT&L)


    • Northampton Cooperative Bank
    67 King Street
    PO Box 150
    Northampton, MA 01060