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Berkshire One FAQs
New Berkshire One Checking Clients who set up recurring direct deposits totaling $1,000 or more per month for 3 consecutive months into their Berkshire One Checking account will receive $300. To qualify for the $300, the Berkshire One Checking Client must successfully complete their Direct Deposit switch through Berkshire Bank’s online banking platform or Mobile app Direct Deposit tool by July 31, 2025. Direct deposits set up in branch or directly with the payroll provider outside of the Berkshire Bank online banking platform or mobile app will not qualify for this offer.
Berkshire One will benefit you if you’re a digital first customer who appreciates simplicity and transparency in their financial solutions and wants access to the best perks.
While we’d love to see you, this suite of accounts can only be opened online. If you are looking for high touch, relationship banking with personalized services, Berkshire Bank offers comprehensive and sophisticated solutions to clients at any of our 80+ Berkshire Bank branches.
Setting up direct deposit means we get to spoil you with the best of what Berkshire has to offer. It’s all about convenience with direct deposit.
- Login to online banking:
- On the web: click on the Direct Deposit Tile at the bottom of the home screen or under the tools menu
- In the app: click on the Direct Deposit tile at the bottom of the home screen or under the Services menu
- Set up direct deposit:
- In a few clicks direct your paycheck to any Berkshire Bank Checking, Savings or Money Market Account
You bet! All Berkshire accounts come with FDIC insurance up to $250,000 per depositor (customer) per FDIC-Insured bank, per ownership category. We are a real bank, in business for nearly 200 years with over 80 branches in Massachusetts, Connecticut, Vermont, New York, and Rhode Island
You are automatically eligible to take advantage of the offer by using a Berkshire Bank consumer debit card to pay your cell phone bill from your Berkshire Bank checking account. To learn more about how you qualify for this cell phone insurance3, Click here.
We’ve got your binge watching covered. With our Stream On1 offer, you get a credit up to $15 a month for 24-months for Disney+, Netflix, Hulu, YouTube Premium, or Paramount+ subscriptions when you set up your $2,000 payroll deposit with Berkshire One checking and pay for that streaming service out of your Berkshire One checking account. Promo is valid for 24 months following account opening so hurry to set-up your direct deposit into Berkshire One checking account so you can get most out of the promo offer! Stream On credits may be reportable to the IRS on Form 1099-MISC. Movie nights just got better.
Stream On offer is a limited-time promotional offer. Offer subject to change without notice. Offer valid only for new checking clients. Existing Berkshire Bank checking account clients will not qualify.
Yes, by switching to Paperless Statements and Notices to earn 0.10% interest rate on your Berkshire One checking account†. Tiny trees and interest can grow big.
Download our new mobile app — “Berkshire Bank Mobile” — from the Apple App Store or Google Play Get banking at your fingertips!
All non-Berkshire Bank ATM Inquiry fees are waived. We will reimburse you all nationwide, non-Berkshire Bank withdrawal and surcharge fees per statement cycle. Not only will we reimburse our fee, but we’ll also reimburse the other bank’s ATM fees too. Your surcharge (non-Berkshire Bank ATM fee) credits may be reportable to the IRS on Form 1099-MISC.4
- Competitive rates
- No monthly maintenance fees
- Easy, no-cost friends and family payments using P2P payment or Friend to Friend Service through online banking and mobile banking6
- Free identity theft protection5 with your Berkshire One checking account†
- Reimbursement for qualifying streaming service with direct deposit requirement of at least $2,000 per month into your Berkshire One checking account†
- Cell phone insurance protection coverage offered for consumer debit card holders3
- Freeze your debit card on-the-go through your mobile app
Get protected with access to a free, best-in-class suite of fully-managed identity fraud detection and recovery services through Berkshire One. Simply enroll with our partner and if you ever become a victim, we have your back. No need to worry thanks to continuous credit monitoring, lost document replacement and fraud expense reimbursement.5
To make a referral, the Referrer must be logged in to their online banking profile:
Through the browser: Click on the Refer a Friend Today! tile located under the Net worth graph on the dashboard or click on Tools and select Refer a Friend.
- Click “Send an invite” and your default email browser will pop up to send your personalized link to eligible individuals; or
- Click “or copy your referral link”, open your email browser, compose an email, and send the personalized link to eligible individuals.
Through the app: Click on the Refer a friend tile located at the bottom of the home screen or click on More and select Refer a Friend located under Services.
- Click “Share your code” to send your personalized link to eligible friends and family members via text or email.
He’s awesome. Really chill guy. You can tell he loves playing in Boston AND getting insane perks just for doing his regular banking.
Disclosures:
† Berkshire One Checking: The minimum balance to open a Berkshire One Checking Account is $10. Minimum balance to earn variable interest rate and Annual Percentage Yield (APY) is $0.01. In order to receive the stated variable 0.10% Annual Percentage Yield (APY), this account must be enrolled in Paperless Statements and Notices. This is a variable rate account, and the interest rate and APY are subject to change without notice. Product not available for business accounts. Courtesy Pay℠, our discretionary service, is not available for this account. Generally, we will not authorize or pay transactions when you do not have enough money in your account. Fees may be charged by the merchant if your transactions are returned unpaid. For transactions that are pre-authorized by us, we must pay those transactions when they are presented for payment even if your account balance at the time of settlement is not sufficient to cover them. When this happens, you are not charged overdraft fees or continuous overdraft fees. Identity theft protection services are available for this account. Information about Identity Theft services will be sent in a separate email. Fees may reduce earnings on the account.
1 The Stream On credit is not valid for Berkshire Bank clients with an existing Berkshire Bank checking account and is limited to new Berkshire One checking account clients only. The following additional terms apply to this account: If you qualify each calendar month, for the 24 months following account opening, we will credit up to $15 per month into your Berkshire One Checking account. Monthly credits will cease the 25th calendar month after account opening. Berkshire Bank will provide a credit in the amount of the highest streaming service paid up to $15. For example: If you pay $6.99 a month for Netflix and $7.99 a month for Disney+, you will receive a streaming service credit of $7.99 the following calendar month. If you pay over $15 a month for one of the above streaming services, you will receive a credit of $15 the following calendar month. This credit will show on your statement with the description “Credit for streaming service”. Stream On credits are capped at 24 per tax reported owner. When the Stream On qualifications are met, the credit will be posted to your account within the following calendar month. If you do not qualify at any point during the 24 calendar months following account opening, you will NOT receive the streaming service credit for that calendar month. Stream On credit Scenarios: 1. You open your Berkshire One Checking account August 1, 2024, and qualify for the Stream On credits consistently for 24 months. At the end of the promotional period, July 31, 2026, you will have received 24 Stream On credits. 2. You open your Berkshire One Checking account August 1, 2024, but do not qualify for the Stream On credits until September 1, 2024. At the end of the promotional period, July 31, 2026, you will have received 23 Stream On credits. 3. You open your Berkshire One Checking account August 1, 2024, and qualify for the Stream On credit for the remainder of 2024. In January 2025, your monthly combined direct deposit falls short of the $2,000 requirement, you will not receive the credit in February. If you then subsequently qualify in February and continue to qualify each calendar month, you will receive the Stream On credit until July 31, 2026. At the end of the promotional period, you will have received 23 Stream On credits. If the account is closed before any credits are posted to your account, the credits will be forfeited. Your credits may be reportable to the IRS on Form 1099-MISC.
To qualify for the Stream On credit, each Calendar Month you must:
Have a combined Direct Deposit total of $2,000 or more each month into your Berkshire One Checking account AND Set up a monthly subscription with one of the following five streaming services to be debited out of your Berkshire One Checking account: Disney+, Netflix, Hulu, YouTube Premium or Paramount+. Annual subscriptions do not qualify. Both required transactions must post and settle to the account during the Calendar Month. Your monthly streaming service debit must post and settle to your account by the end of business (5 PM EST) on the last business day of a Calendar Month to be counted. Transactions may take one or more business days to post and settle to an account after the date a transaction is made. “Calendar Month” begins on the first of the month and ends the last day of the monthly period.
3 Cell phone insurance is offered through Mastercard. Berkshire Bank has a relationship with Mastercard to offer services to its customers. The maximum liability is $800 per claim, and $1,000 per covered card per 12 month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12 month period. To learn more about how you qualify for this cell phone insurance, Click here.
4 All non-Berkshire Bank ATM Inquiry fees waived. We will reimburse all non-Berkshire Bank ATM Withdrawal and Surcharge fees incurred nationwide per statement cycle. Your surcharge (non-Berkshire Bank ATM fee) credits may be reportable to the IRS on Form 1099-MISC. "Statement Cycle” begins the calendar day after the previous Statement Cycle ends and runs through the last business day of the statement period. Berkshire Bank’s ATM policies are subject to change at our discretion at any time.
5 Identity theft protection services are available for the Berkshire One Checking account. Information about Identity Theft services will be sent in a separate email Eligible customers for Identity Theft services would include the Consumer, his/her spouse or domestic partner, dependents in the household up to age 25, other IRS-qualified dependents in the household, and parents living at the same address as the consumer, or living in hospice, assisted living, or nursing home.
7 Consult your mobile carrier for any fees they may charge for Internet usage or receiving texts.