Cashback Checking

Choose free checking that pays you back – and refunds your ATM withdrawal fees!

Shopping is a lot more fun with free Cashback Checking! Earn 2.00% cash back on your everyday debit card purchases, up to $72 cashback per year!¹ Each cycle, you’ll also get cash back in the form of refunds on ATM withdrawal fees, nationwide¹. So you can get to your money when and where you need it.

The other benefits of this account are:

2.00% cash back on debit card purchases each cycle
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases each cycle
- Earn up to $72 cash back per year, up to $6 per month
Refunds on ATM withdrawals fees, nationwide ¹
Can link to free Flex Savings to build savings automatically
No minimum balance
No monthly service fee
Unlimited check writing
Free Online Banking²
Free Bill Pay²
Free Mobile Banking²
Free Remote Deposit²
Free Telephone Banking²

¹APY=Annual Percentage Yield. APYs accurate as of Saturday, Apr 20, 2024. Rates and rewards are variable and may change after account is opened. No minimum to open any account. “Monthly Cycle” means a period beginning one day prior to the first day of the current Statement Cycle through one 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. Cashback Checking: Each month, you will receive 2% cash back on debit card purchases that post and settle to account during Monthly Cycle up to a total cash back of $6 per Monthly Cycle. Transactions must post and settle to account during the Monthly Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count towards qualifying debit card transactions. If held jointly with a Flex Savings account, account benefits will be credited to your Flex Savings account on the last day of the Monthly Statement Cycle. Nationwide ATM fees incurred during monthly cycle will be reimbursed up to $20 ($5.00 per single transaction). ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN. Fees may reduce earnings.

²Standard internet/telephone carrier rates and fees apply.

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

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).