calm beach at sunset


The health and safety of our customers and our employees is our number one priority.

Like you, we continue to closely monitoring the status of the COVID-19
pandemic as it relates to Bank operations. We are so appreciative of your patience and understanding as we
navigate this new normal. Please check back regularly for updates and new information about hours,
services and more.
 Monday - Friday:
  • 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.

  • Monday - Friday, 8 am - 1 pm: Office lobbies are open with limited access (maximum of two customers at a time); appointments are strongly recommended! Please view our lobby entrance guidelines.

  • Monday - Friday, 1 pm - closing (varies by office) Office lobbies are open 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 Thursday from 8 am - 5 pm, Friday from 8 am - 6 pm and Saturday from 8 am - 12 noon.


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

The deadline for this program has passed.

We understand and empathize with those of you who are experiencing financial hardships. We want you to know that we are here to help.

We have several options to assist you, including the opportunity to defer payments on your loan(s) for up to 90 days, or more if necessary. Since many customers have asked, we wanted to clarify that deferred payments are expected to be paid in full at some point in the future. We will work with you on these payment details.

If we escrow your real estate taxes, homeowner's insurance and/or flood insurance, please be advised that you will be required to make those payments. If we learn that any city, town or insurance company offers a payment relief plan, we will assist you accordingly.
If you would like to discuss these, or any other payment relief options in greater detail, please see contact information below:

Commercial Loan Customers:
Please contact your personal loan officer
call Assistant Vice President Lisa Kriz at 978-225-1306 OR
email her.
Residential Loan Customers:
Please call 978-225-1311
OR email us.  

If you have both a commercial loan and a residential loan with us, your personal commercial loan officer will assist you with both loans
as needed.
Bank from anywhere 24/7.
We have many services and resources available for you to bank remotely:
  • 24-hour ATMs at all locations
  • Night depositories at all locations (except Boxford)
  • Online/mobile banking and bill pay
  • Mobile deposit
  • 24-hour automated telephone banking at 1-800-437-6703
  • Mobile Wallet (Apple Pay®, Google Pay, and Samsung Pay)
If you need any assistance in setting up these services, please call or contact us.
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 we’re always keeping tabs on your account(s) with real-time fraud monitoring and alerts, but note that we’ll 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 page.
On October 22nd, Massachusetts Governor Baker announced the launch of a new $50.8 million Small Business Grants program to support small businesses and microenterprises, along with their employees, families and communities. Massachusetts Growth Capital Corporation (MGCC) will administer these funds to businesses experiencing economic hardship and a loss of income due to the COVID-19 pandemic. The program is divided into two parts: one will help businesses with 5 (five) or fewer employees and the other which will help businesses with 50 (fifty) or fewer employees. Detailed information about eligibility requirements and application instructions by clicking here.  The deadline for applications is November 12, 2020 at 12 PM.