Flagship Checking
with direct deposit
- Earn interest
- Free ATM* usage
- Free printed checks
- Free paper statements
- Early Payday**
Free Checking
with direct deposit
- Free of monthly charges
- No minimum balance
- Early Payday**
Student Checking
with 10 debit card transactions
- No-fee account***
- Free ATMs*
- Early Payday**
Statement Savings
with 3 electronic deposits
- Earn $75 with a $750 balance, or
- Earn $200 with a $10,000 balance
Need A Closer Look?
Compare Accounts
| Flagship | Free | Student | |
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| Monthly Account Fee | $25 |  |
$10 |
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Monthly Fee Waiver
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 (See Below)
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(See Below)
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| Earn Interest | |
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Free ATMs*
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| Safety Deposit Box $30 Discount |
(Subject to Availability)
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| Open Online |
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| Free Paper Statements |
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Paper Statement Fee waived if you are age 62 or older | |
| Early Payday |
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Monthly Fee Waivers
Flagship Checking - $2,500 minimum daily account balance or primary account owner maintains a $20,000 combined daily balance.
Student Checking - Owner is age 23 or younger.
Student Checking - Owner is age 23 or younger.
Combined daily balance includes balances in all deposit accounts, including Certificates of Deposit, owned by the Primary Account Holder at Newtown Savings Bank.
FAQ
How do I open a checking account?
Opening a checking account is simple! You can either visit your local Newtown Savings Bank branch or open an account online.
What do I need to open a checking account?
If you are a current customer, all you need is a driver's license or state ID and your social security number. For new customers, you will need to bring two forms of ID, a valid primary ID (driver's license, passport, or state ID) and a secondary (non-picture) ID as well as your social security number. For minors under 18, if they do not have a primary ID we will accept two secondary IDs.
How much is required to open a checking account?
Checking accounts require a $25 minimum deposit to open. Some accounts also have a monthly maintenance fee. You can compare checking accounts to learn more about checking account types, features and maintenance fees.
How do I make deposits?
All deposits can be completed in branch, at a Newtown Savings Bank ATM, or after hours using the night drop. Checks can be deposited using mobile deposit through the NSB app (limits may apply). You can also set up direct deposit with most employers allowing for a faster process while eliminating the use of paper checks.
If this is your first time doing a mobile deposit, the first step is to enroll. Once approved, select 'Deposit' from your dashboard. Enter the amount, select the account (if enrolled with more than one account), the app will require access to your camera in order to take a picture of the front and back of your check. Tap 'Continue' and you are all set!
When are deposited funds available?
Our Funds Availability Summary outlines when electronic and check deposits are available.
Can I add my Newtown Savings Bank Visa® debit card to my Mobile Wallet?
Yes! You can add your Newtown Savings Bank Visa® debit card to your mobile wallet for quick, easy and secure transactions. You'll save time, have everything you need right from your phone and get the benefit of increased security.
When will I receive my debit card and/or checks?
You should receive your debit card in any of our branches or it can be obtained via US mail if preferred. Checks should be received within 7-10 business days after opening an account, if requested at account opening. You can begin using your debit card as soon as the card is activated and your Personal Identification Number (PIN) is set up.
What can I do on telephone banking?
The number for automated telephone banking is 844.211.1003 You can get current and available balance information, transfer funds and make payments between eligible accounts, check to see if a check has cleared or stop payment on a check, inquire about ATM or debit card transactions and activate your debit card.
*Valid at ATMs across the U.S. We will reimburse the fee within one business day of the transaction.
**Early access to your paycheck is not guaranteed. We make funds available as soon as we receive your employer’s payroll file. File timing is determined by your employer or payroll provider, and not all employers submit files early. If we receive the file early, your pay may be available up to two days sooner. If we receive the file on your scheduled payday, funds will be available on your regular pay date. We do not advance funds. You may receive your paycheck up to two days early when we receive payroll files early, but timing is not guaranteed and depends on your employer.
***If you are under age 18, this account must be opened in branch and requires a parent or guardian as a joint account owner. No Overdraft Privileges available for Student Checking account customers under 18 years old.
Offer details: Offers are available for the above personal accounts. To be eligible for these offers, all account holders must be new checking account customers (must not have had an open personal Newtown Savings Bank checking account within a 12-month time period). A qualifying direct deposit of $1,500 or more for Flagship Checking, or $150 or more for Free Checking, must be received into the respective checking account within 60 days after account opening and bonus amount will be deposited into the respective checking account by the month-end of the following month (generally within 90 days). If your account balance is negative during the 90-day period, the bonus will not be paid. A qualifying direct deposit is salary, pension, Social Security, or other regular monthly income, electronically deposited through the Automated Clearing House (ACH) network by your employer or an outside agency. Non-qualifying direct deposits for purposes of this offer include transfers from one account to another (for example, transfers between your own accounts, or person-to-person transfers using a transfer service such as Venmo or Zelle®), or deposits made at a branch or ATM, or through mobile deposit. To earn a $100 bonus in your Student Checking Account, you must make 10 point-of-sale purchases with your debit card within 60 days after account opening (ATM transactions do not count as purchases) and bonus amount(s) will be deposited into the respective checking account by the month-end of the following month (generally 90 days). Maximum $350 bonus per household and may not be combined with other offers. Personal checking accounts have a minimum deposit of $25 to open. Flagship Checking requires a $2,500 minimum daily account balance, or primary account owner maintains a $20,000 combined daily balance in all deposit accounts, including Certificates of Deposit, owned by the Primary Account Holder at Newtown Savings Bank to waive the monthly Maintenance Service Charge. The Annual Percentage Yield (APY) for Flagship Checking is 0.20% as of 4/1/2026 and is subject to change after the account is opened. The minimum to earn the APY is $0.01 for Flagship Checking. Fees may reduce earnings. If your checking account is closed within 90 days after opening, the bonus amount(s) will be deducted at closing. You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. Newtown Savings Bank employees are not eligible for these offers. Offer is subject to change and may be withdrawn at any time. We do not charge for mobile banking. Your mobile device provider may charge you fees. Please check with your carrier. Member FDIC
Promo Code: CONSUMERBP
Savings Offer details: To be eligible for this offer, you must not have an open personal Newtown Savings Bank Statement Savings account within a 12-month period. To earn the $75 bonus, you must open the account with $750 or more and maintain that balance daily for a period of 90 days and receive 3 electronic credits (including ACH/Direct Deposit, Round-Up Savings and Mobile Check Deposit. Does not include Zelle®, Venmo or Cash App credits) within 90 days of opening the account. Or, to earn the $200 bonus, you must open the account with $10,000 or more and maintain that balance daily for a period of 90 days and receive 3 electronic credits (including ACH/Direct Deposit, Roundup Savings and Mobile Check Deposit. Does not include Zelle, Venmo or Cash App credits) within 90 days of opening the account. The bonus will be credited to your Statement Savings account on the month-end following the 90-day period. If your account balance is negative on or prior to the month-end period following the 90 days, the bonus will not be paid. Estate and political campaign accounts are not eligible for this offer. The Annual Percentage Yield (APY) for Statement Savings is 0.25% as of 7/1/2026 and is subject to change after the account is opened. The required minimum balance to waive $3 monthly Maintenance Service Charge for a Statement Savings account is $250.00 minimum daily balance. Minimum deposit to open the account is $25.00; however, to earn the bonuses refer to the balances described above. All account applications are subject to approval. Maximum $200 bonus per household. You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. Offer is subject to change
and may be withdrawn at any time.
and may be withdrawn at any time.
Promo Code: SAVINGS
Here's what you need to open online or in branch:
- U.S. Social Security Number + a valid form of identification: i.e. Drivers License, Passport, etc.
- A funding source: i.e. debit/credit card or U.S. checking/savings account
- A few minutes of your time
You must be 18 years old or older to open an account online.