Checking Accounts & Services​​

Whether you need anytime access to your money, the ability to pay bills or get cash, at Winchester Co-operative Bank, we understand everyone manages their money differently.  

That’s why we have the account and tools you need, so you can bank your way, everyday.

Co-operative Checking Account

It starts with our Co-operative Checking Account. You can earn interest on balances of $10 or more and don’t have to worry about transaction fees and minimum balances, since there’s no monthly fee. Plus, if you’re already a customer you can open a new checking account through Online Banking.

For more benefits, including an easy way to save, add a Co-operative Select Savings Account to get a rewarding interest rate and conveniently move money between your accounts with Online and Mobile Banking.

Money Market Account

With a competitive interest rate, a Money Market Deposit Account is another great option to help you earn more.

Account Management Tools

All Co-operative Checking Accounts come with these tools that put you in charge of your money, anytime:

Online Banking

Check account balances, transfer money between accounts, set up account alerts, download statements, pay bills and much more – 24/7. Current customers can also open additional checking and savings accounts quickly and easily just by logging in to Online Banking. Click here for information about Online Banking.

Mobile Banking

Take your money with you wherever you go with our Mobile Banking App for Apple® and Android™ devices. You can even deposit checks in a snap from your mobile device. Click here for information about Mobile Banking.

Debit Card

Shop securely and conveniently with a physical card or with Mobile Wallet on your mobile device. For even more security, you can use Card Controls to turn on/off a misplaced or stolen card, and even set transaction controls. Click here for information about Debit Cards.


Avoid costly ATM surcharges by using ATMs at our Winchester and Woburn locations or any ATM displaying the SUM® or MoneyPass® logo. Click here for SUM and MoneyPass locators.

Get Peace of Mind With Full Deposit Protection

Your accounts are protected in full through a combination of Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) insurance. Click here for information about Deposit Insurance.

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