1: APY=Annual Percentage Yield. APY is accurate as of [datetoday]. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings. 

2: Overdraft protection plans beyond our standard overdraft protection on checks and other transactions made using your checking account number and automatic bill payments require a signed service agreement. We will not authorize and pay certain overdrafts unless you ask us to by opting in. We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. If we do not authorize and pay an ATM/Debit overdraft, your transaction will be declined.

3: To be eligible for this service, you must have active checking and savings accounts with Bay State Bank and opt in via your on your online banking. 

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

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).