Customize Your Debit Card


Tune Rewards Checking

Tune Rewards Checking

Turn up the payouts; turn down the fees with free Tune Rewards Checking. Experience exciting digital download refunds every month just for doing simple things you're doing anyway—like using your debit card.

Plus, receive up to $25 in ATM fee refunds not just in the Greater Lowell area, but nationwide! And if that wasn't enough to make you sing and dance, free features like mobile banking, no monthly service fee, or minimum balance to earn rewards, should do the trick.

  • Free account, no monthly service fee
  • Earn up to $5 every month in iTunes® or® downloads*
  • Earn $15 in iTunes or downloads at sign up*
  • Nationwide ATM fee refunds up to $25 ($5 per single transaction)*
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free mobile banking & mobile check deposit
  • Free eStatements
  • Unlimited check writing
  • $10 minimum deposit to open


Qualify for Tune Rewards Checking simply by taking advantage of banking conveniences designed to make your busy life easier. Simply do the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear
  • Access online banking
  • Receive free eStatements

If you don't qualify one month, don't worry. There is no penalty, and you still pay no monthly service charge. The next month you qualify, you can get right back to earning the huge rewards.

*The minimum to open account is $10. You will be refunded up to $15 for iTunes® or® purchases that post to and clear account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes or purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Tune Rewards account. Qualifying transactions must post to and clear the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and clear account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($5 per single transaction) if qualifications are met within monthly qualification cycle. Two accounts per household. iTunes is a registered trademark of Apple, Inc. and is a registered trademark of Amazon Inc. Apple Inc. and are not participants in or sponsors of this program.

Fees Alert!

Yeah, it's a "free account" but you may do some other stuff that could cause a fee.

Stop Payment Fee

(for paper checks or electronic withdrawals)

Overdraft/ NSF Fee

(We know, this is a sensitive one and we try to be generous in forgiving 1st time offenders and honest mistakes if you call and explain the situation to us. Plus we won't charge a fee if the purchase or resulting overdraft is $10.00 or less)

Surcharge ATM Fee

(We don't charge these fees, the owners of other ATMs charge them for using their machine. Interest Rewards Checking and Tune Rewards Checking customers get up to $25 per statement cycle refunded if they meet the activity qualifications of their account. Really, it's pretty easy to qualify if you use the account as your primary account. Only US transactions qualify for refunds)

Foreign ATM Fee

(This is the fee we charge when an ATM transaction is processed on a machine we don't own. Like we said above, if you meet the qualifications of your account you'll have all US ATM fees refunded up to $25 per month.)

Returned Deposit Item

(This is a check that deposited into your account and then was returned to the bank for lack of funds - bounced!)

Early Account Closure

(This is if you close your account within a certain period of time after opening it. Fees really don't come into play unless you recently received a promotional item and it's obvious you just starting banking with us to get the free gift. We really don't like that! See the specific terms with the different promotions for the exact fee.)