Typing on a laptop with checkbook, phone and coffee.

Free, Local and Convenient Checking

Get a Truly Free Checking account and $100

When you open an account and setup direct deposit*

Convenient Free Checking Account

Truly Free Checking

No monthly fees, no minimum balance, and no hidden fees.

Convenience

Award-winning customer service, Mobile Banking at your fingertips, 6 local branches.

Manage Your Money

Mobile banking and mobile deposit plus free online tools to manage all your finances.

* There is no minimum balance requirement to open the account. Enter the code provided on the mailer, email or ad in the form below or present your code in person at an SBW branch to open your Truly Free Checking account and have an aggregate direct deposit of $1,000 or more from your payroll or government check within the first 60 days. Once your account has met the $1,000 direct deposit requirement, your $100 Local Perks Bonus will be deposited to your account within 60 days. One (1) $100 Local Perks Bonus per customer. This offer is for the recipient only. This is an interest-bearing, variable rate account and the rate may change after the account is open. As of January 15, 2023 the Annual Percentage Yield (APY) is 0.03%. The minimum balance to earn the APY is $100.00. Fees may reduce earnings.

Convenience that cares about you

Six convenient locations that are ready to serve you

Local people that answer the phone when you need them

Mobile and online banking at your fingertips

Technology at Your Fingertips

Use your phone, tablet or computer to pay bills

Send and recieve money instantly with Zelle®

Mobile and online banking tools to manage your money

FAQ

Questions & Answers

You can open an account online right now. Or book an appointment or just drop into one of our convenient locations.

Yes, your account comes with a free Debit Mastercard. We can even issue one to you instantly if you need it right away.

You have options! Use our mobile app, online banking or give our friendly staff a call.

Nope, no minimum balance to keep your account free.

You need to be a legal resident of southwestern New Hampshire or southeastern Vermont, be at least 18 years old, have a Social Security number and a valid Government Issued ID.

Don't Take Our Word For It

See what your friends and neighbors are saying!

SBW makes banking easy and their truly free checking is the best. There’s nothing else like it anywhere!

Pete Smith, Keene

Pete Smith, Keene

SBW Customer since 2014

Have Any Other Questions? Contact Us Today.

Ready to bank where you’re treated like a local? Reach out to us online or give us a call at (603) 352-1822 or come in and see us.

Let's Get Started

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Disclosures

* There is no minimum balance requirement to open the account. Enter the code provided on the mailer, email or ad in the form below or present your code in person at an SBW branch to open your Truly Free Checking account and have an aggregate direct deposit of $1,000 or more from your payroll or government check within the first 60 days. Once your account has met the $1,000 direct deposit requirement, your $100 Local Perks Bonus will be deposited to your account within 60 days. One (1) $100 Local Perks Bonus per customer. This offer is for the recipient only. This is an interest-bearing, variable rate account and the rate may change after the account is open. As of January 15, 2023 the Annual Percentage Yield (APY) is 0.03%. The minimum balance to earn the APY is $100.00. Fees may reduce earnings.