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Consumer Deposit Accounts and Services

  • Checking Accounts
  • Statement Savings Accounts
  • Passbook Savings Accounts
  • Club Savings
  • Money Market Deposit Accounts
  • Certificates of Deposit
  • Traditional and Roth IRA Certificates of Deposit
  • Mobile Banking including Deposits
  • On-Line Banking / Bill Pay
  • Debit/ATM Cards
  • Debit Card Controls
  • Card Valet
  • Coin Counting** and Foreign Currency Services
  • Treasurer’s Checks / Money Orders
  • Credit Cards
  • Overdraft Protection
  • Signature Guarantees*** / Notary Services
  • Safety Deposit Boxes*
  • Wire Transfers
  • E Statements & Loan Invoices
  • Telephone Banking
  • Savings Bond Redemption

Business Deposit Accounts and Services

  • Business Checking Accounts
  • Statement Savings Accounts
  • Passbook Savings Accounts
  • Money Market Deposit Accounts
  • Certificates of Deposit
  • IRA Certificates of Deposit including SEP IRAs
  • Credit Cards
  • Debit/ATM Cards
  • Debit Card Controls
  • On-line Banking / Bill Pay
  • ACH Origination
  • Cash Management Services
    • Remote Deposit Capture
    • Mobile Check Deposits
    • Merchant Services
    • Sweep Accounts
    • Positive Pay
    • Payroll Services
    • Night Deposit
    • Overdraft Protection
  • Treasurer Checks and Money Orders
  • Domestic and International Wire Transfers
  • Small Business Coin Counting** and Foreign Currency Services
  • Signature Guarantees*** / Notary Services
  • E-Statements
  • Safety Deposit Boxes*

Consumer Loans

  • Residential Mortgages
    • Fixed Rate
    • Adjustable-Rate Mortgages (ARM)
    • Second Mortgages
    • Home Equity Lines of Credit (HELOC)
    • Home Equity Loans
    • Construction Loans
    • First Time Homebuyer Programs
    • Down Payment Assistance Programs Through the Federal Home Loan Bank of Boston
  • Personal Loans
  • Auto Loans
  • Passbook Loans

Commercial Loans

  • Commercial and Industrial Loans (C&I Loans)
    • Line of Credit
    • Term Loans
    • Equipment Loans
    • Time Notes
    • Letters of Credit
    • Acquisition Financing
    • Small Business Administration (SBA) Loan Programs
    • Massachusetts Capital Access Loan Programs
    • New Hampshire Business Finance Authority Loan Programs
    • Mass Development Loan Programs
  • Commercial Real Estate Mortgages
  • Commercial Construction and Development Loans
  • Passbook Loans

*Safe Deposit Boxes are available only at the Main Office Branch located at 180 Merrimack Street, Haverhill, MA.
**Coin Counters are available at the Main Office Branch located at 180 Merrimack Street, Haverhill, MA; at the Merrimac Branch located at 6 West Main Street, Merrimac, MA; and at the Salem, NH Branch located at 396 Main Street, Salem, NH.
***Signature guarantees services are available at the Main Office Branch located at 180 Merrimack Street, Haverhill, MA and the Rosemont Branch located at 1094 Main Street, Haverhill, MA.