Concerned about fraud and identity protection? This account includes ID fraud protection and restoration services from Merchants Information Solutions, Inc.1and there is no monthly service charge if you maintain the required daily balance.2 In addition, you will get: Unlimited check writing Free Online Banking & Bill Pay3 Free Telephone Banking3 Free Mobile Banking3 Free EMV Debit MasterCard Credit Card Available Free Electronic Point-of-Sale transactions and ATM transactions at Bay State ATMs $10 deposit needed to open