Let's get going!

In order to get started, select an account that works for you.

My Checking

This basic checking account allows flexibility and control over monthly service charges.

Minimum balance to open: $10
Monthly fee: $10
You may receive monthly credits as follows: $5 monthly credit for e-Statements $5 monthly credit for having at least 1 monthly direct deposit or ACH debit post and clear.
Monthly service fee is waived for customers under the age of 24 or over the age of 60

More Checking

This checking account earns interest while offering the spending flexibility of a traditional checking account. Maintain the monthly qualifications and minimum balance to receive the MORE rate on balances from $0.01 up to $25,000 and a competitive interest rate for balances of $25,000 and greater.

Minimum opening deposit: $10
Monthly fee: $5
To earn the MORE rate of interest, receive $5 credit, and receive refunds of up to $50.00 monthly of your ATM fees nationwide, simply meet the following qualifications : (per statement cycle.)
Have at least 12 debit card transactions (non- ATM transactions) post and clear
Have at least 1 direct deposit or ACH debit post and clear
Be enrolled in e-Statements
**If qualifications are not met, a base rate annual percentage yield will be paid on balances $0.01 and above. Please see our Rate Schedule for current interest rates.

Money Market Plus (Consumer)

This product is for consumers who are looking for an interest-bearing account crafted to blend the advantages of both a savings and checking account. It offers tiered interest rates along with the flexibility of writing checks off the account.

Minimum opening deposit: $1,000
Minimum balance to earn interest: $1,000
Monthly fee: $5
Monthly fee waived if any of the following criteria are met: Maintain an Average daily balance of $1,000

Statement Savings (Consumer)

This basic savings account is designed to keep assets secure, yet liquid, while earning interest.

Minimum opening deposit: $10
Minimum Balance to earn interest: $100
Monthly fee: $2
Monthly fee waived if any of the following criteria are met: Maintain an Average daily balance of $100

Relationship Gold Checking

This checking account benefits customers with multiple accounts at Mascoma Bank.

Minimum opening deposit: $10
Minimum balance to earn interest: $1,000
Monthly fee: $14.99
Monthly fee waived if any of the following criteria are met: Minimum daily balance in checking: $1,500. Minimum combined deposit balances: $15,000. Minimum combined deposit and loan balances: $30,000
Monthly service fee is waived for Mascoma Wealth Management Clients

Elevate 1 Money Market (Consumer)

This product is for consumers who are looking for an interest-bearing account crafted to blend the advantages of both a savings and checking account. It offers tiered interest rates higher than the Money Market Plus account, along with the flexibility of writing checks off the account.

Minimum opening deposit: $.01
Minimum balance to earn interest: $.01
No Monthly Fee