APY

0.05%

As of Nov 8, 2026. Rates are variable.

Needham Bank · Checking account

Needham Flex Checking Account

$1 a year for an everyday customer. No monthly fee. $10 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$1
APY
Monthly fee
To open

Against the market

How it ranks

#46of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Bill pay
  • Branch access
  • Budgeting tools
  • Check writing
  • Debit card
  • Free checks
  • Interest bearing
  • Mobile check deposit
  • No minimum balance
  • Online opening
  • Spending alerts

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$0needhambank.com, checked Nov 8, 2026

Fees

Monthly fee
Noneneedhambank.com, checked Nov 8, 2026
Minimum to open
$10needhambank.com, checked Nov 8, 2026
Overdraft fee
$25needhambank.com, checked Nov 8, 2026
Returned item (NSF) fee
$25needhambank.com, checked Nov 8, 2026
Out-of-network ATM fee
Noneneedhambank.com, checked Nov 8, 2026
International ATM fee
Noneneedhambank.com, checked Nov 8, 2026
Outgoing domestic wire
$25needhambank.com, checked Nov 8, 2026
Incoming international wire
$15needhambank.com, checked Nov 8, 2026
Outgoing international wire
$40needhambank.com, checked Nov 8, 2026
Cashier’s check
$5needhambank.com, checked Nov 8, 2026
Stop payment
$25needhambank.com, checked Nov 8, 2026
Card replacement
$5needhambank.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money

See it on needhambank.com

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