Your basic checking account with no monthly service fees.1

Looking for a no-frills account with no fees? Better Than Free Checking has no minimum balance requirement or monthly service fees, but still offers all the convenience you need to quickly and easily access your money. Available in CT and MA.

Free checking — plain and simple

With Better Than Free Checking, there's no cost to open the account, no cost to maintain it and no minimum balance. What's better than that?

  • Open with any deposit amount ($50 minimum if opened online or by phone).
  • Free of monthly service charges.1
  • Walk out with your MasterCard® Standard Debit Card in hand.2 Provides you with identity theft resolution services and MasterCard® Global Service™.

Also includes our Mobile Banking App with Mobile Deposit and Debit Card On/Off Switch,3 Online Banking and free Statements.

For complete account information, please refer to the Terms and Conditions of Your Account and the Schedule of Fees and Charges.

  1. 1 No minimum balance requirement or monthly service fee to open or maintain your account. No maintenance or activity fees. Check printing charges apply and vary depending on style and quantity ordered.
  2. 2 Terms and conditions apply to instant issuance. Farmington Bank won’t charge you for debit card use at any ATM; however other banks may impose a surcharge fee. Use any of the thousands of SUM network ATMs nationwide and pay no fees to Farmington Bank or any bank. A listing of current SUM ATMs can be found at
  3. 3 You must have a relationship in good standing with Farmington Bank for at least 90 days to use the mobile deposit feature. See complete terms and conditions. Turning your debit card off only impacts future debit card transactions (point of sale and ATM). Formerly authorized transactions will be paid and any recurring transactions you had previously set up will be processed as indicated. If you believe that your debit card is lost or has been stolen, please leave it in the “off” position and contact us immediately.

Free with all checking accounts...

Mobile App with Debit Card On/Off Switch
Instant Debit Card
Mobile Payments
Online Banking
Unlimited Check Writing

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