If you forgot your Password or if you are locked out, you can click on the Forgot Password  option.  Additionally, you can contact us at 1-800-244-8161 during normal business hours.

Outside of business hours, message us here, and our team will be in touch with you promptly.

Watch our Login and Registration video tutorial below!

You can contact us at 1-800-244-8161 during normal business hours.

Outside of business hours, message us here, and our team will be in touch with you promptly.

No, Username/ID is not case sensitive.

Yes. In the Other Services area then My Profile option, select Change User ID.

If accessing through our Mobile App then click on the three-line “burger” icon in the upper left-hand corner, select Mobile Services, select My Profile, then select Change User ID.

Yes. In the Other Services area then My Profile option, select Change Password.

If accessing through our Mobile App then click on the three line “burger” icon in the upper left-hand corner, select Mobile Services, Select My Profile, then select Change Password. If you have fingerprint/face recognition authentication on, you will need to enter your password when logging in after the password change and reestablish the device for those authentication options.

Password is case sensitive and must contain the following:

  • 8-32 characters
  • one upper case letter
  • one lower case letter
  • one number or symbol

In the Other Services area then My Profile option, select Change Security Information.

If accessing through our Mobile App then click on the three line “burger icon” in the upper left-hand corner, select Mobile Services, select My Profile, then select Change Security Information.

The online security of our customers’ account is important to us. Challenge questions are in place to protect your security and will be prompted when your activity warrants further identification.

A few examples are:

  • signing in on a new computer
  • signing in on a new phone
  • a recently failed login
  • changing any user information such as password, phone number etc.

Please contact us at 1-800-244-8161. 

Outside of business hours, message us here, and our team will be in touch with you promptly.

To ensure your information is up to date we will periodically request you to verify your email address.  Simply enter your current email address and re-enter for confirmation.

On our website, under Account Access select Register Business. Complete the Business Registration. The registration will be submitted to us and we will complete the setup. Once completed you will receive an email with a temporary password to log in.

Managing Your Account

The available balance on your deposit accounts includes your current balance less any holds. The most common hold is for debit card purchases. The current and available balance does not include linked savings accounts for overdraft, unused reserve credit or overdraft privilege limits.

Each transaction will have a question mark associated with it. By clicking the question mark associated with a transaction, you can send a transaction inquiry to the Bank.

The message box will display the account, transaction, transaction date, and amount. There will also be a text box available for you to add the details of your inquiry.

Bay State Savings Bank will review and respond to your message within one to two business days. The response to the transaction inquiry will be seen in your Message Center when you login to online banking.

Simply click on Accounts then Account Summary.

This will bring you to the Account Activity page. Then, select the account. Located in the Account Details area, you will find a variety of account information such as Interest Rate, Previous Year Interest and Year to Date Interest.

On the Account Summary page, click on the account you want to change your Nickname on.

In the Account Details click on Change under the Account Nickname. Enter new Nickname and save.

Bay State Savings Bank provides the Unlinked Accounts/Person to Person Transfer service to enable you to transfer funds to other individuals or businesses with accounts at Bay State Savings Bank.

The External Accounts/Bank to Bank Transfer service provides you the ability to transfer funds between your accounts at Bay State Savings Bank and your accounts at other financial institutions.

Watch our “Transfer Funds” video tutorial below.

The External Accounts/Bank to Bank Transfer service provides you the ability to transfer funds between your accounts at Bay State Savings Bank and your accounts at other financial institutions. To verify your account at another financial institution, we will make two (2) micro-deposits. You will need to verify the account by entering in the micro-deposit amounts. Once verified Bay State Savings Bank will need to approve the account. This is typically done in two business days.  If we require more information from you before approving, we will send you a message in Online Banking.  Once we approve the accounts, they will be available for transfers.

Watch our “Transfer Funds” video tutorial below.

In the Transfers tab, select the accounts you would like to transfer between. Enter the Amount and select the Scheduling Option – Recurring. Enter the Transfer Date, Frequency, and Timeframe. There is also an option to be alerted once a transfer has been completed. Once complete, click  Submit.

Watch our “Transfer Funds” video tutorial below.

In the Transfers tab, click on Transfer Activity. In the Scheduled Transfers section, simply click the trash bin icon to delete the scheduled transfer.

Watch our “Transfer Funds” video tutorial below.

There are several reasons a transfer might fail. Typically, transfers will fail due to insufficient funds in the account you are trying to transfer from, if the account you are trying to transfer between is inactive or dormant, or if it is a loan and it is the last payment or if a payoff has been quoted. If you find that these are not the reason, please call us at 1-800-244-8161.

Watch our “Transfer Funds” video tutorial below.

These functions are performed in the Pay My Bills tab. To add a payee, click Add, select the Category and Merchant if available, choose Other Company. Complete the payee information. To delete a payee, click on the payee and choose Delete.  Editing a payee is as simple as selecting the payee, make the needed changes and Save Changes.

Watch a video tutorial on “Pay My Bills” below.

Select Auto Pay in the payee that you would like to set up a recurring payment for. Choose the Pay From account number, enter the Amount and the First Delivery Date. Select the Frequency and Duration. There are options available to allow you to be notified when a payment is pending or sent. Once completed, click on Start Sending Payments.

Watch a video tutorial on “Pay My Bills” below.

Recurring and future-dated payments display in the Pending Payments module in the Pay My Bills tab. To delete a payment, simply click Cancel. You cannot cancel a rush payment, a same day payment or a payment that has been processed.

Watch a video tutorial on “Pay My Bills” below.

Manage My Money is a tool that allows you to monitor your account activity with Bay State Savings Bank. You can create categories to organize your transactions as well as budgets to monitor your spending. These tools can aid you in tracking your spending habits. It also assists with establishing savings goals and following your progress so that you can stay on track.

You can send us a message from the message center and if you have proper authority on the account, we will add within 1 business day typically. Additionally, you can contact us at 1-800-244-8161 during normal business hours.

Click on Other Services then Other Services, select Stop Payment on a check.  A Stop Payment fee will apply.

Your account activity is monitored for suspicious behavior. When leaving your normal spending area, please notify Bay State Savings Bank of your travel plans. A travel note will be made, and this can help you avoid unexpected ATM/Debit Card service interruptions.

Click on Other Services, Other Services, then click I have Travel Plans. If accessing through our Mobile App then click on the three lines in the upper left-hand corner, select Mobile Services, and  select Notify US of your Travel Plans.

If accessed through a browser, click on Other Services then Other Services, select Freeze/Unfreeze My Debit/ATM Card. If accessing through our Mobile App then click on the three lines in the upper left-hand corner, select Cards, then select Block Card to lock or unlock.

If accessed through a browser click on Other Services, then select Other Services, then click on Create a New Alert.

If accessing through our Mobile App then click on the three lines in the upper left-hand corner, select Mobile Services and select Manage My Alerts.

To gain access to your Bay State Savings Bank eStatements and eBills, click on the eStatements or eDocuments options located throughout our Online Banking website.  You will be presented with the Terms & Conditions. Once read, click on eStatements/eDocuments. You will be brought to the eStatements/eDocuments page where you can view all your monthly statements and loan bills.  To successfully activate your eStatements/eDocuments you must view a statement or bill.  Once you have viewed an eStatement /eDocuments all of your statement/bill accounts will be enrolled.  You will receive a monthly email letting you know when your newest eStatement is available for viewing.

Watch our eStatements video tutorial below!

Simply access you eStatements and eBills as you normally do, then click on the new account to view the eStatement/eBill and this will successfully enroll you.

Watch our eStatements video tutorial below!

Mobile App, Browser, and Device Support

Click on the 3 dots in the upper right-hand corner Click settings > Click Advance on Privacy and Security on left hand side of the page > Click clear browsing data > Time range – change to all time > Make sure cookies and other site data and Cache images and files ARE checked off and click clear data.

Click Settings > Click Safari > Click Clear History and Website Data

Click the menu button (three lines in the corner of the page) > Click Options > Click Privacy and Security > In the cookies and site data section, Click Clear Data > Click Clear.

Open Microsoft Edge and select Settings and more > Settings > Privacy, search and services. Under Clear browsing data, select Choose what to Clear. Under time range – select a time frame. Select Cookies and other site data. Select Clear now.

Yes, the same configurable session timeout occurs for all channels (browser or app).

Yes, for users of our mobile app BSSB Mobile, the Fast Balances feature enables them to register the mobile device to display account balances prior to logging in.

Yes, check images (cleared checks) are visible from the account history/activity page.

Fingerprint/Face ID authentication is now available for both iOS and Android.

When an end user first launches Bay State Savings Bank’s mobile app BSSB Mobile, the app will determine whether the device has fingerprint/Face ID support. If so, the first-time fingerprint/face ID authentication availability prompt is displayed.

Fingerprint/Face ID Authentication is an optional authentication method offered by Bay State Savings Bank to sign into our mobile app BSSB Mobile.

It is available for iOS devices with Touch ID™ capability and Android devices that have compatible fingerprint support running Android 6.0 or higher.

Yes. You can still log on to the Bay State Savings Bank mobile banking app BSSB Mobile using your account username and password.

When you enable Fingerprint Authentication to log on, any fingerprint stored on your device at the time of registration, can be used to log in to Bay State’s mobile app BSSB Mobile.

For your security, anytime a new fingerprint is added to your device, you will be required to reenroll in this feature

If your mobile device is lost or stolen you can delete a device at any time by logging onto your account from a PC or another device and selecting Other Services. Click on Manage Fingerprint or Face ID Devices. You can delete the lost/stolen device from the list of devices currently authorized. In addition, anytime a new fingerprint is added to the device, re-enrollment is required. So, a lost device should not be able to access your account without your fingerprint/face ID or account username/password.

No. Your fingerprints will never be stored in Bay State Savings Bank’s Mobile Banking app or kept within our Online Banking.

  1. By using the mobile app and navigating from the Sign In page > Mobile Services > Fingerprint / Face ID > Enrollment > Click Unenroll.
  2. Using the mobile browser to Sign In into account > selecting Other Services > then Other Services > Click on Manage Fingerprint / Face ID Devices.
  3. Using a PC and navigating to the desktop selecting Other Services > then Other Services > Click on Manage Fingerprint / Face ID Devices.

You will need to register your fingerprint on the new device and then set up fingerprint sign in to access Mobile Banking using your fingerprint.

Fingerprint Login will only display within the mobile banking app, if you have set it up in your device ‘Touch ID’ settings and register the device.

Yes. Once enrolled in Fingerprint Authentication, Fingerprint/Face ID sign in is activated. Any fingerprint/face ID which is stored on the device can then be verified to sign into mobile app BSSB Mobile

No. You can use your User ID and Password to sign into Bay State Savings Bank mobile app BSSB Mobile

Fingerprint sign in has the same high-level security as all authentication methods for online and mobile banking. Technical details: Both Google and Apple have a hardware backed chip on supported devices. When registering for Fingerprint authentication, we generate an RSA Public/ Private key that is stored and encrypted by that hardware chip. The only way it can be accessed is when the device Operating system authenticates the user through the fingerprint scanner. The private key never leaves the device’s trust zone which is not accessible by software. The server has the public key. When signing in, a signature is created by the trust zone using the private key. This signature is sent to the server where it verifies its authenticity by comparing to the public key. This allows the user to login. This is also why any changes to items within this process require the user to re-enroll in this service. This includes when the user adds a new fingerprint, the app is re-installed, or a change is made to the device OS that affects anything related to fingerprints on the device.

On the Bay State Savings Bank mobile app BSSB Mobile sign in screen, enter your password and then navigate to the Mobile Services menu > Fingerprint / Face ID > Enrollment > you will be prompted to give your device a name (should be unique) along with providing your username and password. Once all three fields are filled out you can select enroll. Now the next time you Sign into your Bay State Savings Bank app you will be prompted to use your Fingerprint/Face ID.