PERSONAL CHECKING

Finding a checking account for your lifestyle should not be hard. At Bay State Savings Bank, we offer a range of accounts to fit your needs, with features and benefits to suit every individual. Find the one that is right for you by comparing our options below or meet with a Personal Banker today!

 

EZ Relationship Rewards Checking

Our most rewarding checking account with benefits you’ll love.

Benefits Include:

  • $50 Minimum Opening Deposit1
  • $10 Monthly Maintenance Service Charge waived if monthly qualifications are met2
  • Competitive Interest1
  • Get paid two days sooner with Early Pay Day3
  • FREE Online and Mobile banking featuring EZ Statements, Money Management, Bill Pay and more4
  • FREE Bank Checks or Money Orders
  • FREE EZ Relationship Savings
  • Overdraft Transfer Service5
  • Unlimited Deposit Insurance6
  • Access to a team of Personal Bankers
  • Up to $10 per month waived for non-BSSB ATM fees1,2

Account Requirements:

  • Enrollment in Online Banking & EZ Statements
  • $1,200 in qualifying Direct Deposits or $10,000 in combined savings/checking balances2
  • 12 Debit Card Purchases per Monthly Qualification Cycle (minimum of $3 each)2

Open Account

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EZ Free Checking

Simple. Straightforward. FREE.

Benefits Include:

  • $10 Minimum Opening Deposit7
  • No Monthly Maintenance Service Charge
  • Get paid two days sooner with Early Pay Day3
  • FREE Online and Mobile Banking featuring EZ Statements, Money Management, Bill Pay and more4
  • Overdraft Transfer Service5
  • Unlimited Deposit Insurance6
  • Access to a team of Personal Bankers

Open Account

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EZ Student Checking

Designed exclusively for students between the ages of 14 and 26.

Benefits Include:

  • $10 Minimum Opening Deposit8
  • No Monthly Maintenance Service Charge9
  • Get paid two days sooner with Early Pay Day3
  • FREE Online and Mobile Banking featuring EZ Statements, Money Management, Bill Pay and more4
  • Overdraft Transfer Service5
  • Unlimited Deposit Insurance6
  • Access to a team of Personal Bankers
  • Up to $10 per month waived for non-BSSB ATM fees8
  • 3% Cash Back on debit card purchases, up to $6 per statement cycle9

Account Requirements:

  • Enrollment in Online Banking & EZ Statements
  • 12 debit card purchases per Monthly Qualification Cycle (minimum of $3 each)9

Open Account

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Choose The Best Account For Your Lifestyle!

 

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Additional Services

 

EZ Statements

Stay organized by reducing the amount of paper you receive every month while contributing to a greener planet! With EZ Statements, you’ll have 24/7 access to your bank statements, giving you the freedom to manage your accounts safely and conveniently. EZ Statements are FREE, saving you from a paper statement fee each month.

Enroll in EZ Statements

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VISA® Credit Card

With a Bay State Savings Bank Credit Card, we offer a wide range of reward options to meet your financial needs, both today and tomorrow.  Find the card that’s right for you!

Learn More

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Overdraft Protection

Life happens, we get it. In addition to the alerts available in online banking that can help notify you about things such as low balances or insufficient funds, we offer various overdraft protection options.

Learn More

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Banking On The Go

Online and mobile banking gives you the power to manage your money wherever and whenever it’s convenient. You’ll enjoy features like:

  • Mobile Check Deposit
  • Bill Pay
  • Money Management Tools
  • Account and Security Alerts
  • Digital Wallet

Download the BSSB Mobile App:

Download Our Mobile App from the Apple App Store Download our Mobile App from the Google Play Store

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Important Disclosure:

1: APY=Annual Percentage Yield. APY is accurate as of Friday, Jul 19, 2024. Rates are subject to change. Minimum deposit of $50.00 to open account. When Monthly Qualifications are met, Nationwide ATM fees incurred during monthly cycle will be reimbursed up to $10 and will be credited to the account on the last day of monthly statement cycle. Balances in your EZ Relationship Rewards Checking account up to and including $1,500 receive an APY of 1.00%*; and balances over $1,500 earn an APY of 0.01%. Transactions may take one or more banking days from the date transaction was made to post and settle to account. Fees may reduce earnings.

2: Monthly Qualifications: Receive direct deposit(s) totaling $1,200 monthly or maintaining a combined minimum balance among all Checking and Savings accounts held by the same Tax Reported Owner of at least $10,000 each day of the qualification cycle. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Have a least 12 PIN-based or signature-based debit card purchases of $3 or more. Enroll in Online Banking and EZ Statements. If qualifications are not met a monthly maintenance service charge of $10 will be assessed.

3: With Early Pay Day, the Bank may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay Day.

4: Standard internet/telephone carrier rates and fees apply.

5: Overdraft Transfer Service transfers available funds from your savings account to your checking account should you overdraft your checking account. Enrollment for this service can be completed during account opening.

6: All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

7: Minimum deposit of $10.00 to open account. Note that fees may apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, bank assessed fee, or other electronic means. Fees are subject to change at Bay State Savings Bank’s sole discretion with proper notice to you.

8: Minimum deposit of $10.00 to open account. For students 14 – 26 years old. Students under 18 years old must open account with parent or legal guardian. Student ID required at account opening. When Monthly Qualifications are met, Nationwide ATM fees incurred during monthly cycle will be reimbursed up to $10 and will be credited to the account on the last day of monthly statement cycle and account will receive 3.00% cash back on all PIN-based and signature based debit card transactions that post and settle during the cycle period up to $6 in total cash back per Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. Fees may reduce earnings.

9: Monthly Qualifications: Have a least 12 PIN-based or signature-based debit card purchases of $3 or more and enroll in Online Banking and EZ Statements.

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

Visit our Additional Services Page for information regarding our ATM services.