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Personal Accounts and Services


  • Basic This Checking Account enables you to write unlimited checks with no monthly fee.
  • NOW An interest-bearing Checking Account that enables you to earn money on your checking balance and have unlimited check-writing ability. If you maintain an average daily balance of $1,000., or have direct deposit, the monthly service charge of $5. is waived.


  • Passbook Savings Account A traditional Savings Account that pays interest while letting you make unlimited deposits and withdrawals. There is no monthly service fee or minimum balance for this account.
  • Statement Savings Account This account gives you the convenience of monthly statements and pays interest while letting you make unlimited deposits. You may make limited ACH withdrawals and transfers are limited to six per statement cycle. There is no monthly fee and no minimum balance.
  • Certificates of Deposit These term accounts earn a higher rate of interest and are available in maturities from three months to four years. These accounts provide a guaranteed rate of interest for a specific period of time. There are minimum balance requirements for these accounts.
  • IRA Accounts Plan securely for your retirement and enjoy tax benefits now. FDIC and DIF insured.
  • Christmas Club This Passbook Savings Account is designed to help you save for the holiday season.

Money Market

Our Money Market Account combines the benefits of an investment account with limited check-writing ability. Maintain an average daily balance of $2,500 and the $5 monthly service charge is waived.

Direct Deposit

A convenient service that enables you to have your payroll, pension or Social Security payments electronically deposited into any Seamen’s deposit account except CDs.

ATM and Debit Cards

The ATM Card provides convenient 24-hour banking service at ATMs around the world. The Debit Card can be used everywhere that VISA is accepted and is free with a Checking Account. Some restrictions may apply.

Internet Banking

Enroll at and you will be able to view activity on all of your deposit and loan accounts, see copies of your checks, activate eStatements, download a list of transactions to Microsoft Money,® Quickbooks,® or Quicken,® transfer funds from one account to another, pay bills, order checks from Deluxe® and receive e-mails with information that matters to you.

Enrollment is easy. Just have your most recent Seamen’s Bank checking or savings account(s) statement handy. For Personal Internet Banking customer service, please call 866.873.9576. To enroll in Internet Banking for your business, please contact any of our offices.

Safe Deposit Box

Safe Deposit Boxes are available at our Commercial Street, Eastham, Wellfleet, and Truro offices.

Important Notice
The contents of your safe deposit box are not insured against loss by the FDIC, DIF, any government agency or Seamen’s Bank.