Personal Accounts and Services


  • Personal Checking This Checking Account enables you to write unlimited checks with no monthly fee.
  • NOW Checking 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.
  • 18/65 Checking This interest-bearing account offers reduced overdraft fees, no monthly service charge and free basic checks for those 18 years of age and younger, and those 65 and older. 

Deposit Rates

You rate better at your community bank!

24-Month CD
2.60% APY*


  • 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. 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.
  • Holiday Club This Passbook Savings Account is designed to help you save for the holiday season.

“I love working with Seamen’s Bank. Everyone knows my name and they are always smiling. I’ve been with Seamen’s since I first came to town and they’ve been a great help with my business. I feel lucky to have such a nice environment in which to bank.”
— Shane Landry, owner, Connie’s Bakery

“I feel fortunate to be able to do both my personal and business banking at Seamen’s right in my own neighborhood. Each person I’ve worked with there, over the last 20 years, is responsive, reliable and highly professional.”
— Susan Kurtzman

“The railroad brought me to Provincetown where I opened the first East End gallery and an account at Seamen’s Bank. I’m old school. I count on Seamen’s. They’re solid. And personable. Everyone is always very nice, competent and available. It’s a matter of implicit trust.”
— Ilona Royce Smithkin

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.

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.

Online Banking and Bill Pay

Bill Pay ApplicationTo enroll in Online Bill Pay, please complete this form and give to any Seamen’s Bank Customer Service Representative for processing or mail to:

Seamen’s Bank
PO BOX 659
Provincetown MA 02657

*Offer valid as of January 17, 2019 and may be canceled at any time without notice. The advertised Annual Percentage Yield (APY) is effective as of January 17, 2019. Minimum opening deposit and to earn stated APY is $1,000 for Certificate of Deposit The rate may change after the account is opened. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Copyright © 2019 Seamen's Bank
All Rights Reserved.
NMLS ID# 419878

508.487.0035 local
855.227.5347 toll free