Contact Us

Basic Checking

Looking for simplicity? Basic Checking is a non-interest bearing account that allows for up to 15 withdrawals per monthly statement cycle and has no minimum balance requirements!

In addition, the account offers:

  • No daily or monthly minimum balance requirement
  • Overdraft protection available (upon approval)
  • A service charge will apply each month1
  • An additional service charge will apply for each withdrawal made above 15 total withdrawals or any checks over 8 checks per statement cycle.1
  • Free Online Banking & Bill Pay2
  • Free Telephone Banking2
  • Free Mobile Banking2
  • Free EMV Debit MasterCard
  • Free Electronic Point-of-Sale transactions and ATM transactions at Bay State ATMs
  • $10 deposit needed to open

Open an account today!

Open Now

1Please refer to Bay State Savings Bank Retail Fee Schedule for current fees and charges.

2Standard internet/telephone carrier rates & fees apply.

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

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).