MTA Today - Winter 2018

Available for new and current Berkshire Bank MTA customers without an existing checking account.

» $25 if you establish direct deposit

» $25 when you pay a bill through online banking using Bill Pay

» $25 for signing up for eStatements

» $25 if you refer a family member who opens an Elite Relationship Checking Account

» $25 when you turn in your old debit card and replace it with a Berkshire Bank debit card

You deserve a
that works as hard
as you do.

checking account

Open an Elite Relationship Checking Account and receive up to $1252

MEMBERS GET MORE

Family member¹ benefits and discounts

MTA members give so much of themselves.

Now it’s Berkshire Bank’s turn to give back.

We are proud to offer you a special Elite Relationship Checking Account package, which is only available to MTA members and their immediate families. Features include an interest-earning account3 with a $10 minimum balance, no minimum service charge fees and unlimited check writing.

Giving you a chance to earn and save more is our way of saying thanks for the work you do!

Elite Relationship Checking benefits:

» FREE Debit Cards

» FREE Mobile Banking4

» FREE Bill Pay

» FREE Online and Telephone Banking

» FREE eStatements

» FREE Access to MyBanker Concierge Service

» WAIVED Foreign ATM Fees When You Establish Direct Deposit. 5

Additional benefits:

» Turn in your bank’s checks and we’ll replace them with a free first order.
» Receive a .50% APR discount with a Berkshire checking automatic loan
payment or a .25% APR discount without an automatic loan payment. 6

Plus, we’ll make it even easier for you to move your account to Berkshire Bank.

For more information, call or visit your local Massachusetts branch.

Banking products are provided by Berkshire Bank: Member FDIC. Equal Housing Lender. Berkshire Bank is a Massachusetts chartered bank. ¹ Immediate family member is defined as mother, father, sister, brother, son, daughter or the surviving spouse or domestic partner of an active, retired or deceased MTA member who is not other wise eligible for active membership. ²In order to qualify for up to a $125 cash bonus, you need to be a new Berkshire Bank MTA customer or current Berkshire Bank MTA customer without a checking account relationship and open an Elite Relationship Checking account with a minimum balance of $10 and choose up to five of the following options: (1) $25 when you establish and receive at least one direct deposit to your account within 45 days of account opening, ( 2) $25 when you set up and pay a bill through online banking using Bill Pay, ( 3) $25 when you enroll in eStatements at account opening, ( 4) $25 when you refer a family member who opens an Elite Relationship Checking account using the Refer-A-Family-Member coupon, Family-Member bonus is credited when the family member opens the checking account with a Refer-A-Family-Member coupon. The value of the bonus may be reportable to the IRS on Form 1099-MISC. Other fees may apply. This offer may be withdrawn at any time. When a family member is referred, you and the family member waive the right to privacy and disclose you are customers for this transaction. ³ As of 11/15/17 the Annual Percentage Yield is 0.10%. $10 minimum balance to open and obtain APY. At our discretion, interest rate and APY may change at any time after account is opened. Fees may reduce earnings. ⁴ There is no charge for mobile banking and mobile deposit from Berkshire Bank. Consult your mobile carrier for any fees it may charge for Internet usage or receiving texts. ⁵ To qualify for no ATM fees and surcharge credits, you must have at least one direct deposit to the Elite Relationship Checking for each qualification period (monthly statement cycle). If you qualify, we will credit all non-Berkshire Bank ATM surcharges at the end of your monthly statement cycle. Your surcharge (non Berkshire Bank ATM fee) credits may be reportable to the IRS on Form 1099-MISC. ⁶ Customer must qualify for a new consumer loan product for discount of .50% APR with automatic payment from an Elite Relationship Checking Account or .25% APR without automatic payment from an Elite Relationship Checking Account. Consumer loan discount applies to auto, motorcycle, boat, ATV, snowmobile and watercraft loans. The consumer loan discount does not apply to home equity line-of-credit products. Offer is valid until 3/31/2018 and subject to change. Berkshire Bank has a financial relationship with MTAB to offer products and services to MTA members and their families. Rev: 12/21/17