Offering you a rate to smile about. Your deposits into a Smile Worcester County Money Market Account will help Bay State Savings Bank support economic growth in those areas of Worcester County that need it most. Requirements and fees: Minimum balance of $5,000 required to avoid $7.00 monthly service charge Minimum opening deposit of $5,000 to open Minimum balance of $0.01 required to earn the stated APY listed on Rates page Benefits: Bay State Savings Online Banking Online Bill Pay ATM Transactions* Telephone Banking** Open a Smile Worcester County account today! To open an account, please call Customer Service at 508-890-9000 or 800-244-8161 or visit one of our branch locations. View Rates