Founded in 1895, Bay State Savings Bank provides checking and savings accounts and personal and business loans. It offers several mortgage and loan options for the purchase of vehicles and homes, as well as finance construction. Bay State Savings Bank also offers online banking, money management, financial consulting, and trust and estate planning services. In addition, the bank offers debit, credit and gift cards. Bay State Savings Bank provides various retirement services, such as investment management and plan administration. The bank has several ATM locations throughout Massachusetts. Bay State Savings Bank also offers telephone banking services. It is a member of the Federal Deposit Insurance Corporation.