Make saving easy with a Holiday Club Account! Turn holiday shopping into a smart savings plan by opening a Club Account. Make regular deposits and watch your savings grow! Requirements and Benefits: Competitive interest rates Minimum of $10 to open No minimum balance Free telephone banking* Deposits can be made at any branch, by direct deposit or through automatic transfer from a Bay State Savings account At maturity, funds can be deposited directly into a savings or checking account Withdrawals may result in account closing Open an account today! To open an account, please call Customer Service at 508-890-9000 or 800-244-8161 or visit one of our branch locations. View Rates