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Checking Accounts

Details

Monthly service fee


None


None


$15

Fee is waived if account has a direct deposit and maintains a balance of $5,000 or more across other accounts1


$7

Fee is waived if account maintains a balance of $500 or more

Rewards




2.01% APY2 on balances up to $20,000

0.05% APY2 if qualifications aren't met




2.00% cash back on debit card purchases3

Earn up to $96 cash back per year ($8 per month)3




Through GenGold membership and Gold Rewards Savings relationship


Refunds on ATM withdrawal fees




Unlimited4




Unlimited4



Fraud / ID Theft Protection






Through GenGold membership




Through myIDguard.com

Links to another account that helps you save?




Can link to free Kasasa Saver account that earns high interest




Can link to free Kasasa Saver account that earns high interest




Links to companion savings account with CD-level interest earnings


Linked Companion Savings Account with CD Level Interest Rates




Can link to free Kasasa Saver account that earns high interest




Can link to free Kasasa Saver account that earns high interest




Links to companion savings account with CD-level interest earnings


Open Accounts
Other Details
Basic Checking is also available.

All Checking Accounts include:

1The balances of business accounts and Kasasa products are excluded when determining whether the minimum daily balance required to waive the monthly service fee is met. Similarly, the balances of other accounts, where the primary account holder of the Gold Rewards Account is not the primary account holder of those other accounts, are also excluded when determining whether the minimum daily balance required to waive the monthly service fee is met.

2Kasasa Cash: Earn 2.01% APY on balances up to $20,000.00 in each Monthly Qualification Cycle that your account qualifies.  The portion of your balance above that cap will earn an interest rate of 0.25 resulting in a range from 2.01% to 0.54% APY, depending on the account’s balance, each cycle that your account qualifies.  Earn 0.05% APY in cycles that your account does not qualify. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. “Statement Cycle” means the period of time for which Bay State Savings Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Rates are current as of Tuesday, October 17, 2017. Rates and rewards are subject to change and may change after account is opened. Fees may reduce earnings.

3Kasasa Cash Back: Qualifying accounts earn 2.00% cash back on all debit card purchases that post and settle during each Monthly Qualification Cycle that your account qualifies, up to a total of $8.00 cash back per Monthly Qualification Cycle.  “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. “Statement Cycle” means the period of time for which Bay State Savings Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Rewards are subject to change and may change after account is opened.

4Unlimited Nationwide ATM fee refunds offered in qualifying cycles (receipt required for ATM fees over $4.99 and for fees incurred at Smart ATMs capable of distributing currency in less than $5.00 denominations). ATM fees will not be refunded in Monthly Qualification Cycles that you do not meet the qualification requirements.

5Standard telephone/internet carrier rates & fees apply.

6Other financial institutions may impose a surcharge for use of their ATMs. Please visit our Additional Services page to learn more about our ATM services and the SUM Network.
 

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

 

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).