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Bay State Savings Bank offers many additional personal services to make your banking experience easy and enjoyable:

Our ATM Cards and EMV Debit MasterCards® make it easy to access your funds all over the world. It’s quick and easy, and the Debit Card purchase transactions are free. Your purchases will come directly out of your Bay State Savings Bank checking account and will appear in detail on your monthly statement.

ATM and Debit Card transactions are FREE* at any Bay State Savings Bank ATM, and worldwide at the thousands of ATMs displaying the SUMSM logo. Our ATM and EMV Debit MasterCards® may be used at any ATM displaying the VISA®, NYCE®, MoneyPass® or Cirrus®logos.

What is the SUM ATM Network? It’s your money. Save SUM.

As a Bay State Savings Bank customer, you have access to the SUM ATM Network which means you can use thousands of SUM-Designated ATMs nationwide without a surcharge fee. No registration process, no additional cards, no stress! Just look for SUM ATMs and experience ATM convenience without paying a premium.

Find a SUM ATM near you

Lost or Stolen Card?
If your EMV Debit MasterCard® has been lost or stolen please call (800) 264-5578. By calling this number, you will be able to cancel the missing card and order a replacement.

What is MasterCard Secure Code®?
In addition to our other ways of preventing, detecting, and resolving fraud, we offer MasterCard Secure Code®, a FREE, simple-to-use service that confirms your identity with an extra password when you make an online transaction. Only you can sign the receipt, thus ensuring a safe online shopping experience! Register for the MasterCard Secure Code® service.

You can get instant account information, listen to deposit and loan rates, and get a complete listing of all our branch locations and hours, 24 hours a day, seven days a week simply by calling Telephone Banking at (888) 533-6696.

With a touch-tone phone and your personal identification number (PIN), you can:

  • Transfer funds between accounts**
  • Check balances
  • Make loan payments

*Notice regarding fees by others: If you use an ATM that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

**Must sign authorization document for this option, either in person at one of our branches or by mail.

***Standard internet/telephone rates and fees apply.