COVID-19 Information

Updated July 7, 2020




 (Effective Monday, June 22nd)



  • All office drive-up windows remain open for their regular hours. We strongly encourage customers to use the drive-up windows and limit lobby transactions. 
  • Office lobbies are open from 8 am - 1 pm with limited access (maximum of two customers at a time); appointments are strongly recommended! Please click here for lobby entrance guidelines.
  • Office lobbies are open from 1 pm - closing by appointment only; to schedule an appointment, call us at 978-462-3106.


  • All drive-up windows open 8 am - 12 noon.
  • Access to lobbies is by appointment only.

Our Boxford office is closed until further notice.

ATMs and Night Depositories are available 24/7 at all offices.  In addition, you can call us for any questions or concerns at 978-462-3106 Monday through Friday from 8 am - 6 pm and Saturday from 8 am - 12 noon.



SBA (Small Business Administration) Paycheck Protection Program (PPP)

We are an approved lending institution through the SBA and are participating in the Paycheck Protection Program (PPP) for the benefit of our customers who have their business operating account with us.
The new deadline to apply for a Paycheck Protection Program loan is August 8, 2020.
If you decide to apply, we urge you to do so as quickly as possible since this is first-come first served until Federal funds are exhausted.
The following information MUST be received before we can process your application. Incomplete applications will NOT be processed. 
  1. Completed Application here  (please pay special attention to Question #7 and initial questions #5 and 6)
  2. Calculation and back-up documents as to how you arrived at 'average monthly payroll'
  3. 2019 annual 940 or 941s for all four quarters of 2019
  4. Payroll records to verify individual salaries over $100,000 and employees of record 
  5. 2019 Federal Income Tax Return for Partnerships and Sole Proprietors / Independent Contractors only
As noted above incomplete applications will not be processed.
Please use our secure email system to send all information:
  • To send documents securely, go to our website (
  • Click on the Loans tab and then Commercial tab
  • Click on the brown box that says, 'Secure Document Upload'
  • Include your email address in the 'From' box and choose 'PPP Applications' as the Recipient
  • Attach the required documents as files 1, 2, 3, etc. 
  • Click 'Send This File' to upload. The documents will automatically be encrypted and no password is required.
  • You will receive a generic email confirming your information has been successfully sent. 
For more information, email or
call 978-225-1358.


Bank from anywhere 24/7.
We have many services and resources available for you to bank remotely:
If you need any assistance in setting up these services, please call Deposit Services at



Your money is safe with us.

It is important to remember that there is no better place to have your money right now than in the bank. Your funds are 100 percent insured, first by the FDIC and then by the Depositors Insurance Fund (DIF). FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC's creation in 1933, no depositor has ever lost even one penny of FDIC-insured deposits.




Protect your identity.

Please keep an eye out for scams and unusual emails or phone calls you receive.
Cyber-criminals often take advantage of uncertain times, leading to an increase in scam activity. Please know were always keeping tabs on your account(s) with real-time fraud monitoring and alerts, but note that well never call you to ask that you provide or verify your account numbers, username or password, secure access code, or full social security number. For more, visit our Security Alerts page.
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