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Best Banks & Checking Accounts in New Bedford, Massachusetts - April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 8, 2026

The best checking rates for New Bedford, Massachusetts include Bank5 ConnectBank5 Connect160 County St, New Bedford, MA 02740A+5.0 ★Texas Ratio: 1.34% Checking at 2.00% APY, BayCoast BankBayCoast Bank23 Elm St, New Bedford, MA 02740A+5.0 ★Texas Ratio: 1.32% Active Checking Base Rate at 0.15% APY, First Citizens Federal Credit UnionFirst Citizens Federal Credit Union468 COUNTY ST, NEW BEDFORD, MA 02740A+5.0 ★Texas Ratio: 2.23% Relationship Checking at 0.05% APY, St Annes Credit UnionSt Annes Credit Union3087 Acushnet Ave, New Bedford, MA 02745A+5.0 ★Texas Ratio: 3.11% Veterans Free Checking at 0.05% APY, and Bristol County Savings BankBristol County Savings Bank1307 Ashley Blvd, New Bedford, MA 02745A+5.0 ★Texas Ratio: 3.86% PRIME TIME Checking at 0.05% APY. Checking account rates as of April 8, 2026 according to verified data from MonitorBankRates.

New Bedford has 6 local institutions in our database, with checking rates as high as 2.00% APY from Bank5 Connect at 160 County St, New Bedford, MA, 02740. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in New Bedford, Massachusetts. Checking Account Rates Last Updated and Verified: April 8, 2026

Compare Checking Account Rates Today in New Bedford, Massachusetts & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
160 County St
New Bedford, MA 02740
Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
160 County St
New Bedford, MA 02740
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
23 Elm St
New Bedford, MA 02740
Active Checking Base Rate
0.15%
$500
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
23 Elm St
New Bedford, MA 02740
Preferred Checking
0.10%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
Relationship Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
Veterans Free Checking
0.05%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
Senior NOW Checking
0.05%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
NOW Checking
0.05%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Bristol County Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
1307 Ashley Blvd
New Bedford, MA 02745
PRIME TIME Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

1,2

Webster Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
975 Ashley Blvd
New Bedford, MA 02745
Private Checking
0.01%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $49,999.99

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
Student Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
Affinity Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
Rewards Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Advantage High Interest Checking
4.50%
$5
View
▼
Rate4.41%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $15,000.00

Millbury National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Platinum Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Advantage Cash Back Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required: eStatement enrollment; one direct deposit or ACH withdrawal; 15 debit card transactions; Qualifying balance up to $300.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
160 County St
New Bedford, MA 02740
Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
160 County St
New Bedford, MA 02740
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Advantage High Interest Checking
4.50%
$5
View
▼
Rate4.41%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $15,000.00

Millbury National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Platinum Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Rewards Checking Account
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $15,000.00

Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
EMPOWER Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Advantage Cash Back Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required: eStatement enrollment; one direct deposit or ACH withdrawal; 15 debit card transactions; Qualifying balance up to $300.00

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Rewards Checking Account requirements
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $15,000.00

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
First Rate Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $1,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
IOLTA Checking
3.24%
$0
View
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Pittsfield Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
RELATIONSHIP CHECKING Promotional Rate (First 90 Days)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Balances Up to $25,000; Promotional Rate (First 90 Days)

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
IOLTA Checking Account
2.89%
$10
View
▼
Rate2.81%
Min Deposit$10
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Milford Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
EZ Interest Checking
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$1,500 minimum balance to waive $15 monthly fee.

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Priority Checking Account*
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
Rewards Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Rewards Checking Account requirements
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $15,000.00

Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
EMPOWER Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Rewards Checking Account
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $15,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Advantage Cash Back Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required: eStatement enrollment; one direct deposit or ACH withdrawal; 15 debit card transactions; Qualifying balance up to $300.00

Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
Kasasa Cash Back Checking
2.00%
$10
View
▼
Rate2.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: Have at least 12 debit card purchases post and settle;Have at least one direct deposit or one automatic ACH transaction post and settle;Be enrolled in and agree to receive eStatements; 2% cash back on debit card purchases when you open a Kasasa Cash Back account.

Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
Kasasa Cash Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Rewards Checking
1.26%
$10
View
▼
Rate1.25%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required; The Annual Percentage Yield (APY) is 1.26% as of 04/02/2026. Balances up to and including $15,000.00 will earn an APY of 1.26%, and balances in excess of $15,000.00 will earn an APY of 1.26%-0.01%. The minimum balance to open the account is $10.

Adams Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Cashback Checking
1.00%
$50
View
▼
Rate1.00%
Min Deposit$50
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Earn 1.00% cashback on debit card purchases8 when qualifications are met

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
Reward Checking
0.50%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Interest Rewards Checking
0.20%
$10
View
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Interest Rewards Checking
0.15%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Interest Rewards Checking
0.10%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Check Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Interest Rewards Checking
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
Veterans Free Checking
0.05%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Canton Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.05%
50+ Free Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
FREE Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Bluestone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Free Checking for Seniors
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Monson Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Everett Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
SmartChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
StudentChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Luso American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Totally Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Free Checking with eStatements
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Free Checking (78)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
3087 Acushnet Ave
New Bedford, MA 02745
Student Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Leader Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Student Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Student Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
TeenCents CheckingSM
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

StonehamBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Optimum Student Checking
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Teen Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
StudentChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
High Yield Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
High Yield Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
High Yield Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
2926 Acushnet Ave
New Bedford, MA 02745
Partner Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
High Yield Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $10,000.00

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
Free Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
Business Checking Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
High Yield Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
High Yield Business Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
BusinessPlus Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
High Yield Business Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
BusinessPlus Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Simple Business NOW Checking
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Cape Ann Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Business Sole Proprietor / Non-Profit Organization Classic Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Business Rewards Checking
0.20%
$10
View
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Interest Business Checking
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Interest Business Checking
0.10%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Middlesex Federal Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Easy Interest Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

New Bedford, MA Checking Rate Trends

Compare local New Bedford, MA checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Massachusetts Checking Trends →
High-Yield Checking — MA Avg
2.314%
▼ 0.128 vs 7 days ago

Massachusetts high-yield checking rates fell 0.128 points over the past 7 days to 2.314% APY.

Free Checking — MA Avg
0.801%
▲ 0.568 vs 7 days ago

Massachusetts free checking rates rose 0.568 points over the past 7 days to 0.801% APY.

As of Apr 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for New Bedford, Massachusetts directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in New Bedford, Massachusetts. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in New Bedford, Massachusetts earn interest?

Most traditional local checking accounts in New Bedford, Massachusetts earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in New Bedford, Massachusetts FDIC insured?

Yes. Legitimate banks with branches in New Bedford, Massachusetts are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in New Bedford, Massachusetts

Based on our current data, some of the highest checking account APYs available to residents of New Bedford, Massachusetts include:
  • Bank5 Connect
    Checking — 2.00% APY
  • BayCoast Bank
    Active Checking Base Rate — 0.15% APY
  • First Citizens Federal Credit Union
    Relationship Checking — 0.05% APY
  • St Annes Credit Union
    Veterans Free Checking — 0.05% APY
  • Bristol County Savings Bank
    PRIME TIME Checking — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New Bedford, Massachusetts. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 8, 2026

New Bedford, Massachusetts Rates & Resources

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