BankOn logo showing New Start Checking

New Start Checking

An affordable checking account.

A great way to get back into checking when you're unable to open a standard account due to past credit or banking history. Pay bills, cash checks, and send money – all for a low $5.00 monthly account fee.

  • No overdraft or insufficient funds fees
  • No fees for money orders or official bank checks
  • No fees to cash checks
  • No fees at our ATMs
  • No fees for eStatements
  • After one year of operating your New Start Checking in good standing, you may qualify for our Free Checking account. 

All you need to open:

  1. U.S. Social Security Number + a valid form of identification: i.e. Drivers license, Passport, etc.

  2. A funding source: i.e. Credit/Debit card or U.S. Checking/Savings Account

  3. A few minutes of your time


You may open your New Start Checking account at any Newtown Savings Bank branch.
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! 
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. Learn more about Mobile Wallet.
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.

*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. 
We do not charge for mobile banking. Your mobile device provider may charge you fees. Please check with your carrier.
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