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Basic Checking

Looking for simplicity? Basic Checking is a non-interest bearing account that allows for up to 15 withdrawals per monthly statement cycle and has no minimum balance requirements!

In addition, the account offers:

  • No daily or monthly minimum balance requirement
  • Overdraft protection available upon approval (read full terms here)
  • A service charge will apply each month1
  • An additional service charge will apply for each withdrawal made above 15 total withdrawals or any checks over 8 checks per statement cycle.1
  • Free Online Banking & Bill Pay2
  • Free Telephone Banking2
  • Free Mobile Banking2
  • Free EMV Debit MasterCard
  • Free Electronic Point-of-Sale transactions and ATM transactions at Bay State ATMs
  • $10 deposit needed to open

Open an 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.

An easy to use account. For the rising entrepreneur.

1Please refer to Bay State Savings Bank Retail Fee Schedule for current fees and charges.

2Standard internet/telephone carrier rates & fees apply.

Visit our Additional Services Page for information regarding our ATM services.

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).