Personal Checking

If only life were this EZ.

Enjoy an easy, no-frills checking account designed for everyday banking. EZ Free Checking gives you convenient access to your money with tools that keep things simple and stress-free.

EZ Free

Simple checking that works for you.

Enjoy an easy, no-frills checking account designed for everyday banking. EZ Free Checking gives you convenient access to your money with tools that keep things simple and stress-free.

Spend with confidence using your Bay State Bank Debit Card
Keep more of your money with no monthly maintenance fee
Bank on your schedule with online and mobile banking
$10 minimum to open¹

Open an Account

EZ Relationship Rewards

Get more from your checking account

Turn everyday banking into added value when you stay engaged with your account. EZ Relationship Rewards Checking helps you earn more while enjoying benefits that support your financial goals.

Earn 1.00% interest on balances up to $1500 when qualifications are met²
ATM fee reimbursements up to monthly limits
Digital banking with bill pay and mobile deposit
$50 minimum deposit to open²

Open An Account

EZ Student

Built for where you are now and where you’re going

Start your financial journey with a checking account designed around student life. EZ Student Checking gives you the essentials you need today while helping you build strong money habits for the future.

3% cash back on debit purchases³
Up to $10 per month waived for non-BSB ATM fees³
Everyday spending made easy with a Bay State Bank Debit Card
$10 minimum deposit to open³

Open An Account

Designed with you in mind.

Free EZ Statements
Overdraft transfers from Savings⁴
Early Pay Day⁵
Unlimited Deposit Insurance
Access to a team of Personal Bankers
24/7 Online & Mobile Banking
Access to thousands of surcharge-free ATMs (through the SUM Network)

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No two credit cards are alike.

FIND THE ONE FOR YOU

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Overdraft Protection for when surprises happen.

Stay informed with online banking alerts for low balances and insufficient funds, plus overdraft protection options designed to help you stay in control.

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No worries,
be happy.

Learn more

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GET EZ Statements

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Your money is 100% safe
and insured with us!

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disclosures

EZ Free
Minimum deposit of $10.00 to open account. Note that fees may apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, bank assessed fee, or other electronic means. Fees are subject to change at Bay State Bank’s sole discretion with proper notice to you.
EZ Relationship
Minimum deposit of $50.00 to open account. When Monthly Qualifications are met, Nationwide ATM fees incurred during monthly cycle will be reimbursed up to $10 and will be credited to the account on the last day of monthly statement cycle. Balances in your EZ Relationship Rewards Checking account up to and including $1,500 receive an APY of 1.00%*; and balances over $1,500 earn an APY of 0.01%. Transactions may take one or more banking days from the date transaction was made to post and settle to account. Fees may reduce earnings. Monthly Qualifications: Receive direct deposit(s) totaling $1,200 monthly or maintaining a combined minimum balance among all Checking and Savings accounts held by the same Tax Reported Owner of at least $10,000 each day of the qualification cycle. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Have a least 12 PIN-based or signature-based debit card purchases of $3 or more. Enroll in Online Banking and EZ Statements. If qualifications are not met a monthly maintenance service charge of $10 will be assessed.
EZ Student Checking
Minimum deposit of $10.00 to open account. For students 14 – 26 years old. Students under 18 years old must open account with parent or legal guardian. Student ID required at account opening. When Monthly Qualifications are met, Nationwide ATM fees incurred during monthly cycle will be reimbursed up to $10 and will be credited to the account on the last day of monthly statement cycle and account will receive 3.00% cash back on all PIN-based and signature based debit card transactions that post and settle during the cycle period up to $6 in total cash back per Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. Fees may reduce earnings. Monthly Qualifications: Have a least 12 PIN-based or signature-based debit card purchases of $3 or more and enroll in Online Banking and EZ Statements.
Overdraft Transfer Service
Overdraft Transfer Service transfers available funds from your savings account to your checking account should you overdraft your checking account. Enrollment for this service can be completed during account opening.
Early Pay Day
With Early Pay Day, the Bank may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay Day.
Standard internet/telephone carrier rates and fees apply.
Unlimited Deposit Insurance
All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

Personal Checking

If only life were this EZ.

EZ Free

Simple checking that works for you.

EZ Relationship Rewards

Get more from your checking account

Account Requirements

EZ Student

Built for where you are now and where you’re going

ACCOUNT REQUIREMENTS:

Designed with you in mind.

No two credit cards are alike.

Overdraft Protection for when surprises happen.

No worries,
be happy.

Skip the
snail mail.

One App is
all you need.

Knowledge is Your Best Protection

Write Checks Safely

We’re here to help.

disclosures

Personal Checking

If only life were this EZ.

EZ Free

Simple checking that works for you.

EZ Relationship Rewards

Get more from your checking account

Account Requirements

EZ Student

Built for where you are now and where you’re going

ACCOUNT REQUIREMENTS:

Designed with you in mind.

No two credit cards are alike.

Overdraft Protection for when surprises happen.

No worries, be happy.

Skip the snail mail.

One App is all you need.

Knowledge is Your Best Protection

Write Checks Safely

We’re here to help.

disclosures

You are leaving Bay State Bank's website to visit a third party website.

No worries,
be happy.

Skip the
snail mail.

One App is
all you need.