*Fees for some services may apply, see our Schedule of Fees for details. Wired Checking includes Wired Checking Account, Direct Deposit, Debit Card, Online Banking, Bill Payment & Presentment, Online Statements and Text Message & Mobil Banking. These services may not be separated. You must maintain an active status with each of the included services in order to receive full account benefits. ATM fees are refunded up to $15 month and will be automatically deposited on the last day of each month in a designated primary savings account. Your membership must be in good standing. If account is closed prior to 6 months from opening date, you will incur a $25 penalty. After the second direct deposit cycle, you will also be eligible to refer a friend and receive $10 for each friend that is referred up to a $50 maximum. The referred individual must open a Wired Checking account and complete all necessary referral paperwork in order for you to receive the $10 deposit. Employees are not eligible for Refer a Friend Bonus feature. Membership is required and is open to anyone who lives or works in Essex, Middlesex or Suffolk Counties, Commonwealth of Massachusetts and employees and family members of H.P. Hood LLC. Offer may be cancelled at any time.