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Best Banks & Checking Accounts in Sandwich, 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 19, 2026

The best checking rates for Sandwich, Massachusetts include Cape Cod Co-operative BankCape Cod Co-operative Bank275 Cotuit Rd, Sandwich, MA 02563A+5.0 ★Texas Ratio: 1.34% SmartRate Checking at 1.00% APY, Eastern Bank Boston, MAEastern Bank Boston, MA65c Route 6a, Sandwich, MA 02563A+5.0 ★Texas Ratio: 2.03% Premier Checking at 0.01% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, St Marys Credit UnionSt Marys Credit UnionA+5.0 ★Texas Ratio: 0.62% Kasasa Cash Checking at 5.25% APY, and BankGloucesterBankGloucesterB+4.7 ★Texas Ratio: 19.12% Elite Reward Checking at 4.06% APY. Checking account rates as of April 19, 2026 according to verified data from MonitorBankRates.

Sandwich has 2 local institutions in our database, with checking rates as high as 1.00% APY from Cape Cod Co-operative Bank at 275 Cotuit Rd, Sandwich, MA, 02563. 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 Sandwich, Massachusetts. Checking Account Rates Last Updated and Verified: April 19, 2026

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
275 Cotuit Rd
Sandwich, MA 02563
SmartRate Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Balance up to and including $10,000

Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
275 Cotuit Rd
Sandwich, MA 02563
50+ Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
65c Route 6a
Sandwich, MA 02563
Premier Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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 19, 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 19, 2026
Details

Qualifications Required; 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 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

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 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

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 19, 2026
Details

Qualifying balance up to $15000

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedApr 17, 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 18, 2026
Details

Qualifying balance up to $1,000.00

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 17, 2026
Details

No additional details provided.

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 19, 2026
Details

No additional details provided.

North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
IOLTA Checking
2.08%
$0
View
▼
Rate2.06%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Florence Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
IOLTA Checking
2.08%
$100
View
▼
Rate2.06%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Elite Checking
2.00%
$10
View
▼
Rate1.96%
Min Deposit$10
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

North Easton SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Signature Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

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

Monson Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
MoneyMaking Checking
1.00%
$10
View
▼
Rate1.00%
Min Deposit$10
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Investment Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
CHECKING ACCOUNTS
0.75%
$10
View
▼
Rate0.75%
Min Deposit$10
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
275 Cotuit Rd
Sandwich, MA 02563
SmartRate Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Balance up to and including $10,000

Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
275 Cotuit Rd
Sandwich, MA 02563
50+ Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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 19, 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 19, 2026
Details

Qualifications Required; 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 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedApr 17, 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 18, 2026
Details

Qualifying balance up to $1,000.00

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 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

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 19, 2026
Details

Qualifying balance up to $15000

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 17, 2026
Details

No additional details provided.

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 19, 2026
Details

No additional details provided.

North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
IOLTA Checking
2.08%
$0
View
▼
Rate2.06%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Florence Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
IOLTA Checking
2.08%
$100
View
▼
Rate2.06%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

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

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Elite Checking
2.00%
$10
View
▼
Rate1.96%
Min Deposit$10
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

North Easton SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Signature Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Investment Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Monson Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
MoneyMaking Checking
1.00%
$10
View
▼
Rate1.00%
Min Deposit$10
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Co-op Advantage Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Now with uChoose Rewards.

MutualOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 19, 2026
Details

Qualifications Required; 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 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedApr 17, 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 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

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

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
Reward Checking
0.50%
$5
View
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedApr 18, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Florence Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
Rewards Checking
0.25%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $25,000.00

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 17, 2026
Details

Qualifying balance up to $10,000.00

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 16, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Rewards Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
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%
Veterans Free Checking
0.05%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 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 18, 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 17, 2026
Details

No additional details provided.

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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 16, 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 16, 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 16, 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 19, 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 18, 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 18, 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 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Leader Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Student Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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 18, 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 17, 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 18, 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 16, 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 16, 2026
Details

No additional details provided.

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

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
275 Cotuit Rd
Sandwich, MA 02563
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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—
UpdatedApr 16, 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—
UpdatedApr 16, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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 19, 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 16, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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 17, 2026
Details

Qualifying balance up to $10,000.00

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 18, 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 17, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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 17, 2026
Details

No additional details provided.

Marblehead Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Business Interest Checking
0.05%
$10
View
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
UNITY Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
No Nonsense Business Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
Business CheckingPlus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Business Checking Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
Free Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000.00

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

No additional details provided.

Sandwich, MA Checking Rate Trends

Compare local Sandwich, 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
1.080%
▲ 0.063 vs 7 days ago

Massachusetts high-yield checking rates rose 0.063 points over the past 7 days to 1.080% APY.

Free Checking — MA Avg
0.409%
▼ 0.021 vs 7 days ago

Massachusetts free checking rates fell 0.021 points over the past 7 days to 0.409% APY.

As of Apr 21, 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 Sandwich, 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 Sandwich, 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 Sandwich, Massachusetts earn interest?

Most traditional local checking accounts in Sandwich, 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 Sandwich, Massachusetts FDIC insured?

Yes. Legitimate banks with branches in Sandwich, 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 Sandwich, Massachusetts

Based on our current data, some of the highest checking account APYs available to residents of Sandwich, Massachusetts include:
  • Cape Cod Co-operative Bank
    SmartRate Checking — 1.00% APY
  • Eastern Bank Boston, MA
    Premier Checking — 0.01% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • St Marys Credit Union
    Kasasa Cash Checking — 5.25% APY
  • BankGloucester
    Elite Reward Checking — 4.06% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sandwich, Massachusetts. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 19, 2026

Sandwich, Massachusetts Rates & Resources

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