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Personal Banking
To open a deposit account, stop by your nearest Berkshire Bank office. You also have the option of opening select personal accounts through our website by accessing the Personal Banking page and choosing the Open a Personal Account link. Please note, you will need an acceptable form of ID.
Reorders can be placed on our website by clicking on the Check Order link, through Online Banking or at any bank office. If you need to change the style, name, address or mailing address of your last check order, please reorder through your nearest Berkshire Bank office.
The cost of checks varies depending on the style or amount ordered. For updated prices, stop by or call any Berkshire Bank office.
The charge for new checks is applied to your account when your order is shipped or approximately one week after ordering.
The easiest way to balance your checking account is to carefully enter all transactions in your register as they occur. Do not forget to add additional charges such as ATM fees, service charges, etc. When you receive a statement or are reviewing your account online, we recommend the following:
- Make sure you enter and add all deposits in your checkbook register such as interest, electronic transfer credits, and ATM deposits that appear on your bank statement.
- Enter and subtract from your checkbook register any charges on your statement not yet deducted from your register, such as a charge for checks, service charge, electronic transfer charges or ATM withdrawals.
- List the ending balance of your account shown on your statement and add to that balance any deposits made after the date of the statement. List the total of these items and subtract the amount of outstanding checks (checks that you have recorded but do not appear on your statement). This total should agree with your checkbook balance.
We use the daily balance method to calculate interest on your account. This method applies a periodic rate to the principal in your account each day. Interest is compounded and credited monthly. The stated APY (Annual Percentage Yield) assumes the funds remain on deposit for one year at the same interest rate.
Yes. Making an ATM deposit is as safe as making a deposit at a Berkshire Bank office. Your ATM deposit will be recorded by bank personnel to ensure it is properly credited to your account.
No. Not at this time. However, we hope to be adding this feature soon.
Yes. Your card can be used any place that displays the Cirrus logo.
Bring your ATM or Berkshire Bank Debit Card to any branch or call 833-BERKBNK during normal business hours. A representative will verify your identity and issue you a new PIN, which will be mailed to your primary address.
The standard daily cash withdrawal limit is $1,000 per day for Berkshire Bank Debit Cards and $500 per day for ATM Cards. Funds availability may be limited by factors such as your current available balance or a predetermined authorized daily limit established at your request.
The standard point-of-sale and purchase limit is $5,000 per day. Funds availability may be limited by factors such as your current available balance or a predetermined authorized daily limit established at your request.
No. The debit card will withdraw funds from your checking account. It will not allow you to exceed the balance in your account or to draw on a line of credit.
In short, it works like a check, only better. The MasterCard® Express Card is still your ATM card, but you can also use it to make purchases from your checking account everywhere you see the MasterCard® symbol. Present the card at the time of payment the same way you would present a credit card. The merchant will give you a receipt to sign and the amount of the purchase will automatically be deducted from your checking account.
While you're at the checkout counter, there is no difference. The only difference is how the money is settled from your account. Debit Card purchases are deducted from your checking account, just like a check, by accessing the available funds in your account. Credit card purchases are billed at the end of a cycle and are subject to interest charges if the balance is not paid in full. Although your Berkshire Bank Debit Card can act like a credit card, the funds will be automatically withdrawn from your checking account when you use it to make a purchase.
A chip card is like the card you have today, but includes an embedded microchip. The chip contains information that is encrypted - making it extremely difficult for the card to be copied or counterfeited. Your chip card will also have a magnetic stripe on the back, so that you can continue using your card while merchants are transitioning to new chip-enabled terminals.
Use your chip card at the same merchants you do now -- either by inserting the card into terminals that are chip-enabled or swiping your card. You can also continue to use your card as you did before for online payments, telephone payments and at ATMs.
When your card is inserted in the terminal the chip communicates with the terminal to determine whether the card is authentic. Typically, the terminal will prompt you to enter a PIN to validate your identity. Once approved, your transaction will be complete.
Contact Berkshire Bank immediately at 833-BERKBNK or stop by any Berkshire Bank office.
Contact Berkshire Bank immediately at 833-BERKBNK.
A stop payment is a request to prohibit a payee from cashing a paper check that has been issued in his or her name.
A stop payment request is valid for six months if received in writing or 14 calendar days for a verbal request. A stop payment does not renew automatically. To renew a stop payment request, you must submit a new request in writing before the six-month expiration date.
To add an additional signer to your account, both signers must visit a local branch so that the prospective co-signer can be identified and the signature card can be updated.
You may sign up for our Automatic Transfer Service for overdraft protection. With this service, funds are transferred from your statement savings to your checking account when there is not enough money in your checking account to cover your checks. The transfer fee is only $10 per transfer, regardless of the number of checks being covered. We transfer the exact amount of the overdraft and notify you when a transfer has been made.
This is a payment arrangement that you have made with a third party, authorizing them to automatically debit your account, to pay for goods or services.
Yes. You may sign up for Automatic Transfer Service for overdraft protection.
Yes. Stop by any Berkshire Bank office. All foreign currency orders placed by close of the business day will be shipped overnight for next business day delivery. Orders placed on Saturday will be received on Tuesday. All orders will be received within two business days.
APY stands for the Annual Percentage Yield. This is a percentage rate reflecting the total amount of interest paid on your account, based on the interest rate and the frequency of compounding for a one-year period. The period depends on the actual number of days in a year.
APR stands for Annual Percentage Rate and is the total financing costs associated with a loan on an annualized basis, divided by the amount borrowed.
The ACH (Automated Clearing House) network is a nationwide electronic funds transfer system for participating depository financial institutions. The ACH network is commonly used for direct deposit of payroll and government benefits such as Social Security, direct payment of consumer bills, business-to-business payments, federal tax payments, and e-commerce payments.
Rates are changed weekly or at the Bank's discretion.
For determining the availability of your deposits, every day is a business day except Saturdays, Sundays and Federal holidays. If you make a deposit at our teller line before closing (or before 5:00 pm at one of our ATMs or using our Mobile Banking product) on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing (or after 5:00 pm at one of our ATMs or using our Mobile Banking product) or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you initiate a transfer before 11:00 pm on a business day the bank is open using our Online Banking product or our Telephone Banking service, we will consider that day to be the day of your deposit. However, if you make a transfer after these cut off times or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
In some circumstances, longer delays may apply. For more details stop by or contact a Berkshire Bank office.
Berkshire Bank's routing number is 211871691; this 9-digit number identifies the financial institution.
If you will be using your debit card while traveling or are planning any "out of the ordinary" purchases, please call our Customer Support Center at 833-BERKBNK, Monday through Saturday 8:00 A.M. - 6:00 P.M. EST. We will provide this information to our Fraud Prevention Services team in order to prevent your card from being blocked due to "out of the ordinary" transactions.
To change your address, stop by any Berkshire Bank office or update your information through Online 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.