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Our History

Bay State Savings Bank's roots extend back to 1895, when 114 spirited citizens of Worcester gathered together and pledged a total of $7,660 to establish a new savings bank in the city. They made good on that pledge, and on May 16, 1895, Bay State Savings opened its doors for business on Main St. in Worcester.

Our Vision

Bay State Savings Bank strives to be the strongest, and most successful, independent community bank in our marketplace. As a local, mutually owned savings bank, we work to earn the trust and respect of our customers, the marketplace and our employees. We are known for our total commitment to our Mutual Values, which enables the Bank to remain strongly capitalized and to operate safely and profitably in our mutual form.

Our Mission

To Be the Community Bank of Choice.


Important notice for people traveling with debit cards  

Planning a trip? Let us know of your travel plans in advance, as Debit Card use may be blocked in some locations, for your protection. Click here for a complete list of blocked destinations or call 800-244-8161 to learn more.

NEW - VISA CREDIT CARDS! At Bay State Savings Bank, our industry leading consumer and business credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs. Learn more or apply now.


Important Information - Bay State Savings Bank does not ask its customers to disclose personal information via email. The Bank will never ask you via email, text, phone or any other means to disclose your personal identification number (PIN). If you receive any requests for information of this nature claiming to be from Bay State Savings Bank, do not respond and contact our Information Technology Department immediately at (508) 890-9046. Thank you.