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Checking Accounts

At Bay State Savings Bank, we can assist with what's important to you - maximizing your business! Our goal is to establish long-term partnerships built upon trust, mutual respect, and our ongoing commitment to provide our valued customers with the highest quality products and the best possible service.


Monthly Minimum Balance Required

Overdraft Protection

Monthly Service Fees

(if falls below minimum balance)

(Fee can be offset by earning credit)

(Fee can be offset by earning credit)

Unlimited Transactions per Statement Cycle

Credit Card Available

Free Bill Pay

All Checking Accounts include:

*Standard internet/telephone rates and fees apply.


Please refer to the Bay State Savings Bank Commercial Fee Schedule for current fees and charges. 


Other financial Institutions may impose a surcharge for use of their ATMs. Visit our Additional Services Page for information regarding our ATM services.


To learn more about our credit card services available through Bay State Savings Bank, click here.