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As EZ as 1, 2, 3!

Finding a checking account for your lifestyle should not be hard.

EZ Rewards

For those seeking easy rewards and added benefits.

EZ Free

For individuals who prefer a hassle-free banking solution.

EZ Student

For students aged 14-26 looking to manage their finances wisely.
Tap Into Your Home's Equity

Great rates. Quick service. Count on our team every step of the way.

Prime Minus 0.55%

Learn more about our High Five Home Equity Loan.

7.00% Fixed APR

Learn more about our 5-Year Fixed Rate HELOAN!
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
5.978%
APR*
Certificates as high as
3.95%
APY*
Checking as high as
1.00%
APY*
Equity Loans as low as
6.75%
APR*
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BSB_MM_BMT_RGB_0_43_96_#002B60
28 Franklin Street
Worcester, MA 01608
800-244-8161
508-890-9090 (Español)
833-888-0305 (24/7 Online Banking Call Center)
Routing Number: 211371023
NMLS#: 402171
©2025 Bay State Bank
All Rights Reserved.
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