Checking Accounts

If you are opening your first checking account or looking to earn more on your balance, our checking options are designed for everyday spending and money management.

Our Locations

Checking Accounts Designed for Everyday Life

From first paychecks to growing families to preparing for retirement, a checking account is important for navigating life's many stages. Shoreham Bank offers checking options designed to support you no matter what life stage you are on with clarity, flexibility, and the reliability of a local bank that knows your community. Accounts can be opened at any branch location. Visit one of our locations or call us today for details, (401) 732-1991.
 
 

Our Accounts

Premier Checking

1.50%

APY1

1.49% Interest Rate
No minimum balance to earn APY
$25.00 Minimum Opening Deposit

Loyalty Checking

1.00 %

APY2

0.99% Interest Rate
No minimum balance to earn APY
$25.00 Minimum Opening Deposit

Free Checking

0.00 %

APY

No Service Charges
No minimum balance to earn APY
$25.00 Minimum Opening Deposit












Why Open a Shoreham Bank Checking Account?

We believe checking accounts should be easy to understand and use. That’s why our options are designed to provide clarity and everyday convenience. Open a Shoreham Bank Checking account today and receive: 

  • Personalized service you can rely on

  • Online and Mobile Banking 

  • Bill Pay Tools

  • Apple Pay and Google Pay

  • Access to 55,000+ ATMs Nationwide3 

 

Take the next steps in your financial journey.

Opening a checking account with Shoreham Bank means exploring your options and choosing solutions for where you are now and where you are heading! 

  • Visit one of our branch locations

  • Reach out to our trusted team with your questions 

  • Start funding your long-term plans 

We believe financial conversations should feel comfortable and obligation-free, whenever you're ready.

Frequently Asked Questions about Checking Accounts

Are checking accounts free?

Our checking accounts are easy to open with a minimum deposit required to get started. Each account comes with its own set of fees and service charges, which may vary based on the account type and how it is used. We are always happy to review the details with you and help you choose the checking account that best fits your needs. 

What do I need to open a new checking account?

    • A valid government issued photo ID (Driver's License, Passport, or State ID)

    • Social Security Number or Taxpayer Identification Number

    • Basic contact information (Email, Phone Number)

    • Minimum opening deposit for selected account

    • Additional Information and Documentation may be required

How do I fund a new checking account? 

Our checking accounts can be funded with cash or check. If you are an existing customer, you can transfer funds from an existing Shoreham account. 
 

Is Apple Pay and Google Pay Safe?

Yes! Apple Pay and Google Pay are considered to be more secure than using physical cards because of the added security and authentication features like tokenization and passcodes that help protect your transactions.  

 

 

 

 
1 Annual Percentage Yield (APY) Effective 8/31/26 and is subject to change without notice. If the daily balance in the account falls below $2,500 on any day of the month, a service charge of $15 will be imposed. Fees could reduce earnings. Account type is only available in-branch. 
2 Annual Percentage Yield (APY) Effective 8/31/26 and is subject to change without notice. In order to avoid a monthly service charge, a minimum of one electronic direct deposit must be made to this account each statement cycle. If no direct deposit is made, a $10.00 service charge will be imposed. Fees could reduce earnings. Account type is only available in-branch. 
3 ATMs are a part of the Allpoint Network