Personal Checking at Chelsea Groton Bank (Member FDIC)

With different checking accounts to choose from, you're sure to find one that's perfect for you at Chelsea Groton. Whichever account you select, you'll be able to take advantage of unlimited check writing privileges, with the choice of checks being retained by the bank or check images returned to you. We also offer our checking customers  a selection of services to customize your account, including several ways to avoid monthly fees.

Relationship Checking

50 Plus Checking with Interest

Totally Free Checking

College Checking

Money Market Account

Relationship Checking

Our Relationship Checking service requires individuals to have $4,000 in combined deposit and loan balances at Chelsea Groton Bank, including checking, savings, IRA’s, CD’s, loans and mortgages. Unique features include:

• Free checks, including reorders  
• Free ATM transactions at other banks
  Please note that some other banks may apply surcharges when using their ATMs, but there are no surcharges when using SUM program ATMs.
• Bonus Rates on CDs, Savings, and Money Markets  
• Interest paid on checking balance for individuals
• No fees on American Express® Travelers Checks
• $100 credit toward closing costs
  Credited on a future mortgage or home equity loan
• Preferred rate savings
• A low monthly fee
  A monthly fee of only $10 if $4,000 combined balance not maintained

Back to Top 

50 Plus Checking with Interest

A free account that earns you interest for those aged 50 or over:

• No Minimum Balance Requirements
• No Monthly Fees
• No Per Check Charges
• FREE On-Line Banking and Bill Pay
• Earns Interest
• Free checks, including reorders  
• Free ATM transactions at other banks
  (NOTE: Some other banks may apply surcharges when using their ATMs, but there are no charges when you use SUM program ATMs)
• Free American Express Travelers Checks
  Must be 50 years of age or older to qualify. Other fees may apply.
  

Back to Top

Totally Free Checking

Our Totally Free Checking account includes the following features:

• Free First Order of Checks
• Free Debit Card
• Free Online Banking
• Free Unlimited Online Bill Pay
• Free 24-hr Telephone Access
• Free Financial Investment Consultation
• Free from Monthly Service Charges
• Free Unlimited Check Writing
• Free ATM Transactions at all Chelsea Groton ATM's
  $1 per transaction at other banks; please note that other banks may apply surcharges when using their ATMs, but SUM network banks do not surcharge at their ATMs.

• Direct Deposit 
   
• College Student Checking
  College students receive free initial check order and free ATM use at Chelsea Groton and other ATMs when checks are retained by the bank. Please note that other banks may apply surcharges when using their ATMs, but there are no surcharges when using SUM program ATMs.
  

Click here to order checks

Back to Top

Money Market Account

The interest rate on this account is tiered according to the balance you maintain and can be linked to your checking account in order to make online or phone transfers quickly and conveniently. This account allows you to make up to 6 electronic transfers per statement cycle, three of which may be checks.    

Back to Top

Convenience Services

Chelsea Groton provides an array of services to help simplify your life. You can add any of the following options to our checking accounts or statement savings accounts to create a package that meets your individual needs.

On Line Banking/Bill Pay
Securely access your accounts 24 hours/7 days a week from any PC that is connected to the Internet.

• View balances, checks cleared and other account activity.
• Transfer funds between accounts within Chelsea Groton or between Chelsea Groton and other financial institutions.
• Make loan payments.
• Pay all your bills electronically.
• This service is unlimited and FREE! 
  Click here to sign up for Online Banking

ATM /Debit Card
Access your checking or statement savings account with either card. The Debit card enables you to make purchases with the funds coming directly out of your checking account.

Direct Deposit
When you have checks coming to you - including paychecks, social security, dividend, pension, government checks - have them automatically deposited into your checking and/or statement savings account with us. It's not only the safest and most convenient way to make deposits, it's also the fastest. You can access your money on the day of deposit.

TeleBanking
From any touchtone phone, at any time, you can transfer funds between statement accounts, pay loans; check balances, recent transactions, and checks that have cleared your account. You can also get information about interest rates, branch locations and office hours. Just call (860) 448-4288, (860) 823-4884 or (800) 816-2472 (out of state).

Automatic Transfer
Just sign up and we'll automatically transfer funds from a checking or savings account to another deposit account or to pay a loan.

Consolidated Statements
If you'd like, you may have the balances of all of your Chelsea Groton savings, CD or loan accounts printed right on your checking statement.  Certain conditions may apply.

Overdraft
If there are not enough funds in your checking account, we have three options that will allow the check being presented to be paid and not bounce.

Draw Account
The overdraft funds would come directly out of a savings account that is linked to your checking account if there are sufficient funds in your savings to cover the amount of the overdraft.  There is a $5 fee for each transfer*.  Sign up at any branch.
*Free with Relationship Checking.

Overdraft Protection Loan
The overdraft funds would come from an overdraft protection loan account, which you would later pay back with interest.  Apply at any branch.

Back to Top