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Choosing the right credit card is easier than ever with Bay State Savings Bank. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

Consumer Credit Card Options

  • Visa Signature® Everyday Rewards+ Card
  • Visa Signature® Max Cash Preferred Card
  • Visa® Platinum Card
  • Visa® Max Cash Secured Card
  • Secured Visa® Card
  • Visa Signature® College Real Rewards Card
  • Visa Signature® Travel Rewards+ Card
  • Visa Infinite® Reserve Rewards+ Card

Consumer Credit Card Features

  • Convenient and Flexible Purchasing Power, accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc.

For additional information and disclosure language pertaining to our credit card offerings, click the link below to learn more.

Click Here to Learn More and Apply Online.

Paying with your mobile device is not only fast, but secure too.

To experience the speed and security for yourself, add your Bay State Savings Bank Debit Mastercard to your digital wallet and pay with Apple Pay, Samsung Pay, and Google Pay today!

  • Pay with a single tap!
    Save time at the checkout line; simply tap your mobile device at the register to pay with your preferred Bay State Savings Bank Mastercard.
  • Pay almost anywhere!
    Use your digital wallet when shopping online, in-store and in-apps!
  • Pay with confidence!
    Your digital wallet has the same security features as your other BSSB cards, and card details are never stored on your device or shared when you pay!

Ready to take advantage of the convenience your digital wallet can provide? Select your mobile device below and add your Bay State Savings Bank Mastercard to begin paying with a tap.

apple pay samsung pay google pay
With Mastercard and Apple, paying has never been faster, or more secure.

Find out more*

 Get all the benefits your BSSB Mastercard provides- right from your Samsung device.

Find out more*

 With Google Pay, using your BSSB Mastercard has never been easier.

Find out more*

Get your debit card on the spot.

With Instant Issue, we make it possible so that you can receive your debit card on the spot. Simply visit one of our branches. Our staff will be able to print any of the following cards onsite:

  • Consumer Debit Card
  • Business Debit Card

Questions? Just call or contact us online!

A New Level of Security at Your Fingertips

Our new EMV Debit MasterCards® generate a unique code that is validated by Bay State Savings Bank for each transaction, and the code cannot be re-used. A fraudster couldn’t make a transaction using a fake card with stolen data at an EMV terminal because it wouldn’t be able to generate the proper code.

If a store or restaurant has its payment information hacked, that information cannot be used to make additional purchases or create new debit cards. With EMV chip cards, each transaction is approved using a unique authentication code, and that code can’t be used again. Further, the microprocessor chips are virtually impossible to duplicate.

How do I use my new EMV Debit MasterCard®?

  • You have a chip, so now, you can dip! That is, you now have the ability to use the chip, but you might find yourself swiping for a few more months (or longer) while retailers upgrade payment terminals. Chip cards will contain chips and magnetic stripes to allow them to be read either way.
  • Instead of swiping your card through a device that reads the magnetic stripe, you’ll be able to insert (or “dip”) the card into chip-enabled readers. You’ll know it’s available if card readers show a message like “your card must be inserted.”
  • To make a purchase in-person, insert the card chip-first with the chip facing up. Follow the onscreen prompts to complete your transaction, and then remove the card. The process is slower than the quick swipes you’ve grown accustomed to because the chip and terminal exchange information.
  • Phone and internet purchases will work the same way they did with your old card: provide your card number, security code, and any other details required.
  • If the merchant doesn’t allow you to enter your PIN, you will not be able to request cash back.

Lost or Stolen Card?
If your EMV Debit MasterCard® has been lost or stolen please call (833) 337-6075. By calling this number, you will be able to cancel the missing card and order a replacement.

For more information on EMV Chip Technology, please visit our FAQ page.

Interested in EMV Debit MasterCard® Services?

Speak with any of our branch representatives and they will be more than happy to assist you.

Find a Branch

CardValet allows users to customize and protect their debit card via our mobile app, BSSB Mobile.

Click here to learn more about how to access and use CardValet.

*Notice regarding fees by others: If you use an ATM that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

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