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Bay State Bank’s philosophy of business banking mirrors our approach to consumer banking. Our commitment is to meet customer needs with competitive financial products, neighborly personal service, flexibility and a focus on detail. No business is too "small" to merit our full attention and best efforts. We recognize the importance of your company’s success to the well being of our communities and we want to work with you.
Checking
Accounts
Investment Accounts
Commercial Real Estate Loans Loan Calculator
Bay State Bank’s Commercial Real Estate Loans and Secured Lines of Credit combine competitive rates with flexible program options and terms. Our loans can be used for purchases and refinancing. Call our Lending Center at (617)739-9555 for an appointment.
CHECKING ACCOUNTS
Business Value Checking Accounts Deposit Calculator
This account was developed to allow flexibility and effective funds management. Fees can be offset with an earnings allowance based on the average daily collected balance in the account. Full service options include 24-Hour telephone banking services, wire transfers, easy-to-read statements, overdraft protection, sweep features with most of our liquid investment accounts, and a corporate MasterCard® or VISA® program.
Flat Fee Business Checking Accounts Deposit Calculator
This convenient, cost effective account is designed for the smaller business customer who generally does not write a high volume of checks each month. Full service options include 24-Hour telephone banking services, wire transfers, easy-to-read statements, overdraft protection, sweep features with most of our liquid investment accounts, and a corporate MasterCard® or VISA® program.
Business Money Market
Account 
If you need a savings option with a slightly higher yield, this FDIC insured account is for you. The Business Money Market Account has a tiered rate structure and offers a comprehensive monthly statement for accurate record keeping. When combined with one of our business checking accounts, the Business Money Market Account provides the opportunity to transfer funds and manage your money for the greatest return and optimum flexibility. Additional service options include 24-Hour telephone banking services, wire transfers, overdraft protection, and a corporate MasterCard® and VISA® program.
50K Club Account
With the 50K Club Account from Bay State Bank, you’ll be doing more than just saving money, you’ll be investing in a high rate, totally liquid, FDIC insured alternative to other money funds. Invest a minimum of $50,000 in this special passbook account and receive additional benefits of free personal money orders, free travelers checks, and free treasurer’s checks. There are no monthly service charges on this account. Note: for passbook accounts, our Free 24-Hour telephone banking service is available for account information only. To calculate your monthly return on funds deposited, click here.
You can add to the convenience of a 50K Club Account by electing any of the following related services:
- Free 24-Hour Telephone Banking
- Automatic Transfers
- Home Banking
- Direct Deposit
- Bay State Bank Automatic Loan Payment
40K Club Account
The 40K Club Account offers the opportunity to invest your funds in a high yielding, FDIC insured account with the added benefit of a comprehensive monthly statement. This liquid investment account requires a minimum balance of $40,000. As a 40K Club investor, you will also be qualified to receive free personal money orders, free travelers checks, and free treasurer’s checks. There are no monthly service charges on this account. To calculate your monthly return on funds deposited, click here.
You can add to the convenience of a 40K Club Account by electing any of the following related services:
- Free 24-Hour ATM Card*
- Free 24-Hour Telephone Banking
- Automatic Transfers
- Home Banking
- Direct Deposit
- Bay State Bank Automatic Loan Payment
* at Bay State Bank ATM's - click here for locations
(member of SUM - Surcharge Free Alliances)
(member of NYCE® and PLUS® Networks)
Business Services
To provide our customers with the support and services needed to run a successful business in today’s competitive environment, Bay State Bank also offers:
- Treasury, Tax, and Loan Services
- Merchant Card Services
- Payroll Services
- Corporate Credit Cards
- SWEEP Accounts
- Combined Statements
- Wire Transfers