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All Branches will be CLOSED Saturday, August 13th, 2022 to give our employees an extra opportunity to recharge.  For any immediate banking needs during this time, please use our convenient ATM network and online banking services.  Regular business hours will resume on Monday, August 15th, 2022.

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  • Register:
    • Personal
    • Business
  • Personal

    • Banking

    • Checking Accounts
    • Savings Accounts
    • Money Market
    • CDs & IRAs
    • Mobile Banking
    • Card Services
    • Additional Services
    • Homebuyer Seminars
    • Debit Card Protection (CardValet)

    • Mortgages & Loans

    • Mortgages
    • Home Equity Lines & Loans
    • Mass Save HEAT Loan
    • Vehicle Loans
    • Consumer Loans
  • Resources

    • Resources

    • E-Banking Services
    • Education Center
    • Calculators
    • Alerts
    • E-Statements
    • Coronavirus: Health and Safety
    • Social Media Policy
    • Privacy Policy
    • FAQs
    • Online Banking FAQs
    • Financial Safety
    • Reorder Checks
    • Financial Literacy
    • Zelle® (New!)
  • Business

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Here For You

For whatever awaits on the horizon, our team is here and ready to help you finance your future.

Find some of our newest and best offers below!

Send and receive money fast..

with Zelle via Online and Mobile Banking!

Health and safety

As our community reopens, here is how we're keeping our customers safe.

Small Business Loan Program

Help your business reach new heights. Click here to learn more!
Feel at Home

Accessible mortgage professionals. Quick service. Our team is here for you every step of the way.

4.50% (4.586% APR*)

Learn more about our 30-Year Fixed Rate Special!

The 1895 HELOC

At 1.895% APR (First 6 Months) WSJ Prime - 0.25% (for the remainder of the term).
Our Community

Our investment is beyond finance. Since 1895, we have continued to invest in relationships with our neighbors, customers, and organizations.

Stay in touch!

Follow us on social media. See our latest community efforts!

Charitable Foundation, Inc.

Funding programs and organizations since 2003.

Meet Benjie!

Our mascot, Benjie the Bay State Beagle. Watch his latest adventures here!
Card Services

From mobile pay to security customization, program your debit or credit cards to your liking with our array of features.

Customize your debit card

Via your mobile device with CardValet. Card security made simple.

Lost your debit card?

Follow these steps. We'll help you!

Apply for a credit card

Your new credit card is just a few clicks away. Apply now.
Mortgages as low as
4.50%
APR*
Certificates as high as
2.00%
APY*
Checking as high as
0.50%
APY*
Auto Loans as low as
3.82%
APR*
Personal
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bay state logo with tag
28 Franklin Street
Worcester, MA 01608
800-244-8161
508-890-9090 (Español)
833-888-0305 (24/7 Support Line)
Routing Number: 211371023
NMLS#: 402171
©2022 Bay State Savings Bank.
All Rights Reserved.
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