Health and Safety: Coronavirus

Amidst these unprecedented times, our Bank is here to ensure your safety and well being. Read below for information on how Bay State Savings Bank is taking a proactive stance against the spread of coronavirus. Should you have any questions, please contact us. Email: | Call: (800) 244-8161


As of March 1, 2021, our branches have returned to regular hours* of operation, which means our branch lobbies are open, sanitized, and staffed for your convenience.


8:30 AM – 5 PM


9 AM – 12 PM



* The first hour of entry (8:30-9:30 AM, Mon-Fri; 9-10 AM, Sat) is reserved for elderly and high-risk individuals only.

Drive-up service is always available during open hours. Please note our Franklin Street branch does not offer drive up.

** Our Franklin Street branch is only open Monday through Friday.

  • All branches will be open during regular business hours, but please note the first hour of entry (8:30 AM – 9:30 AM) is reserved for elderly and high-risk individuals only.
  • All who enter the branch are required to wear face masks. Our staff will provide a mask to anyone who needs one.
  • Customers are required to follow branch directional stickers located on the floor, which will indicate where to stand in order to maintain a required social distance of 6 feet.
  • Branch capacity will be limited to a maximum of ten at a time (this includes staff and customers). If branches fill to capacity, customers may be asked to wait outside before entering.
  • Service stations will be sanitized between every customer visit, as well as thorough sanitation each night after end of business.
  • Additional pens and office supplies will be provided to prevent re-use.
  • Plexiglass shields have been installed at teller windows to keep parties separate.
  • Finally, branch air filters will be changed no later than every six weeks to ensure that we are providing the cleanest air quality possible.
  • Drive-through lanes remain open, which allow transactions to occur from the comfort of your vehicle, in a safe and secure manner.

Bay State Savings Bank has provided its employees information on effective hygiene practices and how to take preventative measures against the coronavirus.

All frontline employees, including tellers, are required to wear masks and gloves.

Customers are required to wear a mask.

Employees are required to stay home if they are sick or not feeling well.

There is a response team operating internally at our Bank that actively monitors coronavirus updates within Massachusetts to keep our employees and customers informed on the latest news.

Your bank deposits are protected. Not one penny of insured savings has ever been lost by a customer of a federally insured bank. Bay State Savings Bank is insured by both the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). The FDIC insures all deposits up to $250,000 per account owner. All deposits above the FDIC limits are fully-insured by the DIF. Deposit insurance requires no applications or special forms. Depositors automatically receive full-coverage at no cost whenever they make a deposit at Bay State Savings Bank.

Our Facilities and custodial staff clean Bank ATM machines, door knobs, elevator buttons, and in-branch areas daily. Service stations are sanitized between every customer visit, with thorough sanitation each night after end of business.

As an alternative to in-person banking, customers are encouraged to access our services via Online Banking and Mobile Banking for your everyday banking needs.

All Bay State Savings Bank locations offer services via drive-up window. We highly encourage that customers, who visit branches, use this method to interact with our staff to practice social distancing.

Never used bank drive up before? Simply hit the call button at the drive up window, and our staff will walk you through the process!

To help minimize the spread of illness, we would respectfully ask that you use our drive-up or online/mobile banking services if you are not feeling well or if you are experiencing any signs of respiratory illness, no matter how mild. In that event, please also use discretion and consider seeking medical attention as you believe may be necessary.

Should you endure income loss due to recent job shutdown or reduction of work hours, please reach out. We are here for you. Please contact us, so we may help you develop an action plan to remedy any financial challenges you are experiencing at this time.

Compiled below are resources we suggest our business customers refer to in their search for financial assistance. Please email us at should you have any questions.

Small Business Administration
Note: The SBA also recommends those who are interested should visit WWW.SBA.GOV/MA and sign up for their email.  This is the vehicle they will be using to update businesses on the status of new loans.

North Central Chamber of Commerce – Emergency Micro Loan

Scammers use a variety of tactics to commit fraud and to extract personal information and finances from victims. To protect yourself against scams, we ask that you keep these tips in mind as online banking fraud and identity theft crimes are on the rise.

  • Exercise caution toward calls, emails, and social media messages received from unsolicited parties. Solicitations from fraudulent parties can range from salespeople offering health insurance and sanitation products, to government entities requesting personal information, to health organizations requesting donations, and more.
  • Use trusted sites when browsing online. Do not click on links you do not recognize. Do not open emails with attachments from senders you do not recognize. When searching for Coronavirus updates and information, use government sites as much as possible (government websites typically end in .gov).
  • Protect your personal information. Remember that our staff will never contact you to ask for personal information regarding you or your accounts.
  • In need of debit card protection? Customize security settings to your debit card with our mobile app, BSSB Mobile! Learn more about how to protect yourself from debit card fraud and about the list of countries we restrict debit card use for your protection here.
  • Need to report a lost or stolen debit card? Call (833) 337-6075. By calling this number, you will be able to cancel the missing card and order a replacement. You may also cancel your card via Online Banking.
  • Please contact us immediately at 1-800-244-8161 should you experience the following:
    • You receive notification that your email address or any other contact information has been changed without your authorization in Online Banking.
    • You receive what you believe to be a fraudulent email or call, claiming to be from Bay State Savings Bank.
    • You identify any unauthorized transactions on your deposit or loan accounts.
    • You learn from another institution or elsewhere that you are the victim of identity theft.
    • You have further questions about your financial security.

Please be aware that fraudulent parties, pretending to represent the SBA, have been visiting businesses and asking for documents (e.g. bank statements, etc.) that could potentially be used to commit fraud.

At this time, the SBA is not performing PPP-related business visits.

Should you have any questions, do not hesitate to contact us at (508) 890-9050 or Stay safe!