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Checking | Savings | CD Investments | Retirement
ATM & Debit Card | Phone Banking | Other Deposit Services
Reorder Checks | Deposit Rates | Service Charge Schedule

Deposit products are available to
Massachusetts residents only.


For over 100 years Natick Federal Savings Bank has been a community leader. We take pride in offering products and services to meet your needs.

Checking Choices

NOW Checking
Our NOW Checking Account provides the convenience of a checking account with the earnings of many savings accounts. See our Deposit Rates and Service Charge Schedule for details.

  • Checking Account with monthly statement recording all transactions.
  • Earns variable interest rate – compounded and credited monthly.
  • No monthly fee, per check fee or foreign ATM charges if a balance of $1,000 or more is maintained, or if you are 60 years old or older. (Other banks may impose their own ATM surcharge.)
  • Internet Online Banking and Bill Payment available at No Charge.
  • Direct Deposit option.
  • MasterMoney or ATM/POS card available at No Charge.
  • Overdraft Protection by savings account transfer at No Charge.
  • Phone Banking inquiries and funds transfers at No Charge.
Basic Checking
This personal checking account is specifically designed for customers who maintain a lower minimum balance. See our Deposit Rates and Service Charge Schedule for details.
  • No monthly fee or per check fee.
  • Internet Online Banking and Bill Payment available at No Charge.
  • MasterMoney and ATM/POS card available at No Charge.
  • Overdraft protection by savings account transfer at No Charge.
  • Phone Banking inquiries and funds transfers at No Charge.
  • Direct Deposit option at No Charge.
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Regular Passbook or Statement Savings

Watch your deposit grow in a traditional passbook savings or a statement savings account. The choice is yours: the Passbook provides tangible evidence of your savings status with every transaction while the Statement provides a detailed monthly record of all account activity. Both provide secure solutions for accumulating funds for investing and for maintaining liquidity to cover emergencies. See our Deposit Rates and Service Charge Schedule for details.

  • Competitive interest rate, with interest compounded and paid monthly.
  • Unlimited deposits and withdrawals.
  • Allows you to access your account 24-hours a day using your ATM card
  • Transfer money between accounts with Phone Banking,
  • Use the balance to provide Overdraft Protection on your checking account
  • Combine your checking and statement savings activities onto one convenient statement
  • No monthly service charge, if you maintain a balance of just $10.00 or more.
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Certificates of Deposit

Our Certificates of Deposits offer guaranteed yields, flexibility, and the safety of FDIC insurance. That's because you lock in a high yield that's guaranteed from the day you open the account until the day it matures. You know exactly what return you'll get and when you'll get it.

Your investment is safe because Natick Federal CDs are backed by the Federal Deposit Insurance Corporation for up to $250,000 per individual - making them as safe as any investment in the world.

We offer Certificates of Deposit in a broad range of maturities, each designed with a particular goal in mind. And, for as little as $500, you can open your own CD. To help you decide which CD will best meet your needs, take our One-Minute Certificate of Deposit Test. Then request a CD quote from one of our Customer Services Representatives today at 508-653-2340.

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Money Market Plus

This tiered rate account is available as either a passbook account or as a limited checking account with a monthly statement. The minimum balance is only $2,500 with interest rates at money market levels. See our Deposit Rates and Service Charge Schedule for details.

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Personal Choice Club

Start saving for the holidays or your annual vacation! With weekly or monthly deposits you'll be ready. We'll send you the balance of your account in time to beat the shopping rush or before your annual trip, and you'll be ready to start again for the next year.

A Personal Choice Club Account combined with a Direct Deposit, is a simple and painless way to fund any annual event.

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Other Deposit Related Services

MasterMoneyTM Card
With a MasterMoneyTM card from Natick Federal Savings Bank you can make purchases at supermarkets, gas stations, restaurants and retail stores – anywhere MasterCard® is accepted -- as well as access your funds at any NYCE® or CIRRUS® ATM worldwide.

And, since MasterMoneyTM is not a credit card, you will avoid credit card finance charges. When you use your MasterMoneyTM card for purchases, the amount is automatically deducted from your Natick Federal Savings Bank checking account. No more waiting for check approvals. Plus, there is no charge for your purchase transactions!

Is your card Lost or Stolen?

If you think your card, your PIN, or both, have been lost, or that someone has transferred or may transfer money from your account without your permission,

Call: (508) 653-2340

Lobby Hours are
9:00 am to 4:00 pm Monday – Thursday
9:00 am to 6:00 pm Friday
9:00 am to 1:00 pm Saturdays

or Write: 49 Main Street, P.O. Box 388, Natick, MA 01760

Phone Banking
With Phone Banking you have access to all your account information using a touch-tone phone 24-hours a day…and every transaction is FREE of charge. A complete range of account information and services are available with Phone Banking.
  • Check your balances,
  • Verify if a particular check has cleared or your direct deposit has arrived,
  • Transfer funds between your Natick Federal Savings Bank accounts,
  • Make a mortgage payment,
  • Get our current interest rates for CDs, savings accounts, and mortgages.
Simply call 508-650-5880 or toll-free 1-800-795-2580
and listen to the step-by-step options.


Following the instructions is easy, and once you are familiar with the system you don’t even need to listen to them anymore.

Automatic Transfers
Have the convenience of transferring funds between accounts. Let us help you save with a regular transfer to your passbook or statement savings account. Or, arrange to have your Natick Federal mortgage paid automatically. And, of course, there’s no charge for this hometown service.

Direct Deposit
Direct deposit is a convenient and safe way to electronically deposit your paycheck, Social Security, pension or other check into your Checking or Savings account. It saves time and brings peace of mind. No need to wait in line at the bank. Your check cannot be lost or stolen, and you’ll have the security of knowing your deposit will be made on time whether you’re home or away.

Overdraft Protection for your Checking Account
Avoid the embarrassment and expense of returned checks with Natick Federal’s Overdraft Protection. If you accidentally overdraw your Checking Account, we’ll automatically cover any overdraft (up to the balance in your linked savings account) by transferring funds from your savings to your checking account. And, unlike at some other banks, at Natick Federal there’s NO CHARGE for this hometown service.

Safe Deposit Boxes
What could be a safer place for your valuables than in a bank vault. Keep your important papers (insurance policies, deeds and titles to property, wills, etc.) secure. Boxes are rented in a variety of sizes, on an annual basis.

Box
Size		 Annual
Rental
3 x 5 $40.00
5 x 5 $50.00
3 x 10 $60.00
5 x 10 $80.00
10 x 10 $160.00
22 x 16 $450.00
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