Checking Account Comparison

^*The balances of other accounts, where the primary account holder of the Gold Rewards Account is not the primary account holder of those other accounts, are also excluded when determining whether the minimum daily balance required to waive the monthly service fee is met.

^**APY=Annual Percentage Yield. APYs accurate as of Wednesday, Mar 22, 2023. Rates and rewards are variable and may change after account is opened. No minimum to open any checking 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. Interest Checking: Each Monthly Cycle: (1) Nationwide ATM fees incurred during cycle will be reimbursed up to $20 ($5.00 per single transaction) per qualification cycle and credited to account on the last day of Monthly Statement Cycle; (2) balances up to and including $20,000 receive APY of 0.50%; and (3)  balances over $20,000 earn 0.05% interest rate on the portion of the balance over $20,000 resulting in a range from 0.50% to 0.13% APY depending on the balance. Transactions may take one or more banking days from the date transaction was made to post and settle to account. The advertised Interest Checking APY is based on compounding interest. Interest earned in Interest Checking is automatically transferred to Flex Savings each Statement Cycle and does not compound. Actual interest amount paid may be less than advertised Interest Checking APY. The Flex Saving APYs may be less than Interest Checking APYs. . Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM of $5.00 or higher. Fees may reduce earnings.

^***APY=Annual Percentage Yield. APYs accurate as of Wednesday, Mar 22, 2023.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.

¹Standard telephone/internet carrier rates & fees apply.

²Other financial institutions may impose a surcharge for use of their ATMs. Please visit our Additional Services page to learn more about our ATM services and the SUM Network.

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

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).