Checking & Savings Specials

Get up to $400!

Flagship Checking
Premier checking with more benefits.
  • Earn interest
  • Free ATM* usage
  • Free printed checks

Free Checking
Simple checking that's rich in features.
  • Free of monthly charges
  • No minimum balance

Student Checking
A smart way to manage your finances while in school.
  • No-fee account**
  • Free ATMs*

New Start Checking
A new start towards a brighter future. 
  • Get back into checking when you're unable to open a standard account due to past credit or banking history
  • Low cost, low fee***
  • Certified by BankOn

Need A Closer Look?

Flagship Free Student New Start
Monthly Account Fee $25 x mark $10 $5
Monthly Fee Waiver
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(See Below)
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(See Below)
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Earn Interest check mark x mark x mark x mark
Free ATMs*
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Safety Deposit Box $30 Discount
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(Subject to Availability)
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Open Online
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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.

Other accounts:

Everywhere Checking
  • Free ATMs in the U.S.
  • $8 monthly account fee
Interest Checking
  • Free Paper Statements
  • $12 monthly account fee
  • $750 minimum daily account balance or primary account owner maintains $5,000 combined daily balance, or automatic payment to a Newtown Savings mortgage to avoid monthly fee
Combined daily balance includes balances in all deposit accounts, including Certificates of Deposit, owned by the Primary Account Holder at Newtown Savings Bank.


Opening a checking account is simple! You can either visit your local Newtown Savings Bank branch or open an account online.
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.
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. 
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! 
Our Funds Availability Summary outlines when electronic and check deposits are available.
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. 
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.
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.
**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.
***Overdraft protection services are not available for your New Start Checking account. We will determine in our sole discretion whether to pay or return any items presented for payment if your account does not contain sufficient available funds. Whether we pay or do not pay an item for which there are insufficient available funds in your New Start account, we will not charge an overdraft or insufficient funds fee. A fee will apply for cash withdrawals at ATMs not operated by Newtown Savings Bank. This fee is separate from any fee the ATM operator may charge you. A paper statement fee will apply if you have not opted in to receive eStatements (waived if you are age 62 or older). Good standing means the account is not overdrawn or hasn't been misused. 

Here's what you need to open an account:

  • 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.

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