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Bay State Bank

Bay State Bank is a Massachusetts-chartered community bank headquartered in Worcester, MA. Previously operating as Bay State Savings Bank, the institution rebranded to Bay State Bank in 2025 — the same organization, under a modernized name. With over 130 years of continuous operation and seven branch locations across Central Massachusetts, it offers personal banking, business banking, lending, and digital banking services to individuals, families, and businesses in the Worcester region.

Their llms.txt

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# Bay State Bank

> Bay State Bank is a Massachusetts-chartered community bank headquartered in Worcester, MA. Previously operating as Bay State Savings Bank, the institution rebranded to Bay State Bank in 2025 — the same organization, under a modernized name. With over 130 years of continuous operation and seven branch locations across Central Massachusetts, it offers personal banking, business banking, lending, and digital banking services to individuals, families, and businesses in the Worcester region.

## About

Bay State Bank was founded in 1895 on Main Street, Worcester, MA. It has operated continuously for over 130 years as an independent community bank. The bank rebranded from Bay State Savings Bank to Bay State Bank in 2025; Bay State Savings Bank and Bay State Bank refer to the same institution.

The bank is FDIC-insured. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF). Bay State Bank was among the institutions that helped establish DIF in 1933.

Bay State Bank operates seven branch locations across Central Massachusetts, serving Worcester (four locations: Franklin Street, Mill Street, Grafton Street, and Burncoat Street) and the surrounding communities of Auburn, Holden, and Shrewsbury. The Shrewsbury branch opened in 2025.

Primary address: 28 Franklin Street, Worcester, MA 01608. Routing Number: 211371023. NMLS #: 402171.

Bay State Bank provides Spanish-language banking support at (508) 890-9090.

### Awards and Recognition (2025)
- Community Choice Awards — Best Bank in Central Massachusetts
- Boston Globe Top Places to Work 2025
- Newsweek America's Best Regional Banks 2025 — the only bank headquartered in Worcester included on this list

### Community Impact
- More than $1.2 million contributed to local organizations
- More than 7,000 hours volunteered
- More than $230 million in local business financing
- More than 120 partnerships with local organizations
- Bay State Bank Charitable Foundation established in 2002

## Services

All loans and credit products are subject to credit approval.

### Personal Banking

**Checking Accounts**
- EZ Free Checking — no monthly maintenance fee; $10 minimum to open
- EZ Relationship Rewards Checking — earns 1.00% interest on balances up to $1,500 when qualifications are met; ATM fee reimbursements up to monthly limits; $50 minimum to open
- EZ Student Checking — 3% cash back on debit purchases when qualifications are met; up to $10/month in non-BSB ATM fee waivers; $10 minimum to open

**Savings Accounts**
- EZ Savings — no minimum deposit to open
- EZ Goal — goal-based savings account; $10 minimum to open
- Benjie's Buddies — youth savings account; $1 minimum to open; $2 Benjie's Bucks bonus credited at account opening
- EZ Relationship Rewards Savings — available to customers who also hold an EZ Relationship Rewards Checking account

**Money Market Accounts**
- Consumer Tiered Money Market — tiered interest rates that increase with higher bala
…

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