Left, Cecil Barron Jensen, Executive Director, Artists Association of Nantucket; Right, Sara Congdon, Vice President & Regional Manager, Hingham Savings


Personal Checking Accounts

We believe in providing simple, affordable banking services to our customers – we do not hide abusive fees in fine print. Our personal checking accounts have no minimum balance requirements and no monthly fees. We offer modern online and mobile banking tools, including mobile check deposit from your smartphone. As our customer base has expanded, we have introduced worldwide ATM rebates for both our ATM fees and those of other banks*. Most importantly, we offer a banking relationship grounded in personal service, trust, and transparency.

  • No monthly maintenance fee
  • No minimum balance
  • Mastercard ATM/Debit Card with Worldwide ATM Rebates
  • Free Standard Checks
  • Mobile Banking and Remote Deposit (iPhone and Android)
  • Online Banking (Electronic Statements and Bill Pay)
  • International and Domestic Wire Transfers
  • Foreign Currency Orders
  • Safe Deposit Boxes
  • Unlimited Deposit Insurance from FDIC and the Depositors Insurance Fund 


To open a personal checking account, we invite you to contact any one of our 11 branch managers in Boston, the South Shore, and Nantucket

or contact our Main Office at 781-749-2200 or [email protected]

* When you keep an average balance of $5,000 in your checking account, Hingham Savings will reimburse you for all ATM fees that other banks may charge, up to $45 a statement cycle.

Personal Mortgages and Home Equity Lines of Credit

As a portfolio lender, Hingham Savings offers quick decisions, flexible underwriting, and a common-sense approach to lending.  When we make commitments, we honor them. We don't sell mortgages and if you have a question about your loan, you'll always be able to reach us. Unlike many banks, we can assess your request quickly, without unnecessary paperwork or a complicated process. We also specialize in special situations, including high net-worth individuals, foreign citizens, self-employed borrowers and those with new or variable incomes.  Please contact our Residential Lending Group at 781-783-1994 or one of our residential lenders directly to discuss how we might meet your needs.

  • Type: Fixed Rate, Adjustable Rate (ARM), Long-Term Amortization, Interest Only, Construction to Permanent
  • Structure: First Mortgages, Home Equity Lines of Credit, Blanket Mortgages
  • Specialty Programs: Super Jumbo Loans (up to $5 million), Cooperative (Co-Op) Loans, Non-Conforming Condominium Loans, Foreign National/Foreign Citizen/International Loans, Owner Occupant Loans to Irrevocable Trusts and LLCs, Vacation and Seasonal Properties, Alternative Verification of the Ability to Repay
  • Underwriting:  Qualified Mortgages, Non-QM Loans, Home Equity Lines of Credit

Money Market Accounts, Savings Accounts, and Certificates of Deposit

We offer money market and savings accounts, as well as longer term certificates of deposit for individuals, businesses, non-profits, cities and towns. We are known for our competitive interest rates and the strength and security of our financial position. We maintain unlimited deposit insurance for funds kept at Hingham through the FDIC and the Massachusetts Depositors Insurance Fund. This does not require any special paperwork nor does it involve any additional fees.  Our customers do not need to maintain separate accounts, divide certificates of deposit, or complicate their affairs to maintain deposit insurance. From young children with passbook savings accounts to family-owned businesses and municipalities with substantial funds, all of our customers can rely on the strength and security of Hingham.

Member FDIC/Member DIF.  Equal Housing Lender       781.749.2200
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