Looking for the best banks in Massachusetts in 2025? Whether you’re opening your first account, switching banks for better service, or just want the best interest rates and customer experience, this list breaks down the top-rated banks in the Bay State—based on real local feedback and expert insight. I live here in Massachusetts, and over the past year, I’ve done the research, talked to residents, and evaluated dozens of banks based on trustworthiness, convenience, fees, digital tools, and customer service. So here’s a guide that’s not just useful—it’s truly local.
1. Eastern Bank – Best Overall Community Bank
Headquarters: Boston, MA
Founded: 1818
Why It’s #1: Excellent community involvement, personalized service, and highly rated digital banking.
Eastern Bank has been a cornerstone of Massachusetts banking for over 200 years. What makes it shine in 2025 is its commitment to local communities, diversity in leadership, and modern banking tools that rival big national players.
What Locals Love:
Local branch staff know customers by name.
Actively supports small businesses and nonprofits.
Very low fees on checking and savings.
Standout Features:
Free checking with no minimum balance.
Top-rated mobile app.
Strong small business banking options.
- Explore their services at Eastern Bank Official Website.
2. TD Bank – Best for Extended Hours & Convenience
Headquarters: Cherry Hill, NJ (but has a strong Massachusetts presence)
Branches in MA: 140+
Why It’s Popular: Open 7 days a week with generous customer service hours.
TD Bank markets itself as “America’s Most Convenient Bank”—and in Massachusetts, that’s definitely true. With long hours, excellent customer service, and wide ATM access, it’s the go-to bank for people who don’t keep 9-to-5 schedules.
What Locals Love:
Open on weekends and evenings.
Friendly in-branch experience.
Great support for mobile banking newbies.
Standout Features:
Easy-to-use mobile banking app.
Overdraft protection options.
Cashback and perks with TD credit cards.
- Find more information at TD Bank Official Website.
3. Rockland Trust – Best for Personalized Customer Service
Headquarters: Hanover, MA
Why It’s a Favorite: Award-winning customer satisfaction and deep community roots.
Rockland Trust is consistently ranked as one of the best banks in Massachusetts for service—and in 2025, that’s still the case. They’re known for treating customers like individuals, not numbers.
What Locals Love:
Real people answer the phones—no frustrating menus.
Fast loan approvals for local homeowners and business owners.
Great financial education resources.
Standout Features:
No-fee checking for students and seniors.
Responsive customer service (chat, phone, and in-person).
Easy mortgage pre-approvals and local underwriting.
- Learn about their offerings at Rockland Trust Official Website.
4. Cambridge Savings Bank (CSB) – Best for High-Yield Savings & Tech-Savvy Banking
Headquarters: Cambridge, MA
Why It’s Ranked: Combines the feel of a credit union with the performance of a fintech.
Cambridge Savings Bank has been quietly building a reputation as one of the smartest places to bank in Massachusetts. With high-yield savings accounts and slick mobile tools, CSB is perfect for the modern, money-conscious customer.
What Locals Love:
High interest rates on online savings.
Transparent fee structure.
Digital-first without sacrificing in-branch access.
Standout Features:
Personal finance tools in the app.
Great online account opening experience.
Free ATM access nationwide (with some accounts).
- Visit Cambridge Savings Bank Official Website for details.
5. Bank of America – Best for Nationwide Access & Full-Service Banking
Headquarters: Charlotte, NC
Branches in MA: 200+
Why It’s Still a Strong Pick: Nationwide reach and advanced financial tools.
Even though Bank of America is a national giant, it’s deeply embedded in Massachusetts—and many locals appreciate the convenience of its widespread ATMs, diverse services, and high-tech digital tools.
What Locals Love:
Can bank anywhere—great for frequent travelers.
Strong rewards with BofA credit cards and Merrill investing.
Easy integrations with budgeting apps like Mint and YNAB.
Standout Features:
Erica, their AI-powered assistant, is actually helpful.
Excellent fraud protection and account security.
Customizable alerts and money management tools.
- Access their services at Bank of America Official Website.
6. Santander Bank – Best for Student & Young Professional Banking
Headquarters: Boston, MA
Branches in MA: 200+
Why It’s a Top Choice: Tailored checking and savings options for students, and a strong local presence.
Santander is one of the largest banks in Massachusetts and continues to grow in popularity thanks to competitive student banking, accessible services, and active community involvement. With its headquarters right in Boston, it also frequently partners with local universities.
What Locals Love:
No monthly fees for student accounts.
Convenient locations near schools and public transit.
Strong rewards with Santander credit cards.
Standout Features:
Easy overdraft forgiveness for new account holders.
Fast Zelle transfers and mobile check deposits.
24/7 fraud monitoring.
- Explore their banking options at Santander Bank Official Website.
7. Berkshire Bank – Best Regional Bank for Personal & Small Business Needs
Headquarters: Boston, MA (originally Pittsfield)
Why It Stands Out: A local bank with strong small-town roots and a growing statewide presence.
Berkshire Bank may not have the national clout of larger institutions, but it shines in customer satisfaction, especially among personal banking customers and small businesses. It offers personalized service, loan flexibility, and a wide variety of account types.
What Locals Love:
Community-driven values and support for local causes.
Helpful staff with quick response times.
Good options for small business checking and credit.
Standout Features:
Local mortgage programs with flexible underwriting.
No hidden fees.
Online banking that balances simplicity with functionality.
- Discover more at Berkshire Bank Official Website.
8. Citizens Bank – Best for Full-Service Banking & Financial Planning
Headquarters: Providence, RI (but deeply rooted in Massachusetts)
Branches in MA: 200+
Why It’s Recommended: Comprehensive banking, mortgages, student loans, and investing—all in one place.
Citizens Bank offers a strong blend of personal banking and financial advisory services. With branches in nearly every Massachusetts city and town, it’s known for convenience and financial tools that help people manage both short-term spending and long-term savings.
What Locals Love:
Helpful staff at local branches.
Easy student loan refinancing.
Useful mobile app tools like goal tracking.
Standout Features:
Green Checking (eco-conscious digital banking).
Citizens Pay—buy now, pay later without a credit card.
Wide ATM network and overdraft flexibility.
- Find out more at Citizens Bank Official Website.
9. DCU (Digital Federal Credit Union) – Best Credit Union Alternative to Big Banks
Headquarters: Marlborough, MA
Why It’s Featured: Low fees, high APYs, and top-notch digital banking tools.
Technically a credit union, DCU still deserves a spot among Massachusetts’ best banks because of how well it serves its members in 2025. With open membership criteria, easy online account access, and some of the highest interest rates on checking and savings, DCU is a top pick for value-focused banking.
What Locals Love:
No monthly fees.
High interest on savings and rewards checking.
Strong digital presence without sacrificing customer service.
Standout Features:
Auto loans and refinancing with low rates.
Remote check deposit, budgeting tools, and credit score tracking.
Member discounts on insurance and services.
- Learn about their services at DCU Official Website.
10. Blue Hills Bank (Now Part of Rockland Trust) – Best Legacy Bank with Local Trust
Note: Now operating under Rockland Trust after a 2019 merger, but many longtime customers still refer to it by name.
Blue Hills Bank built a loyal following in Massachusetts thanks to decades of community service and dependable banking. Now as part of Rockland Trust, the legacy continues with enhanced services, better technology, and expanded branch access—without losing that small-bank feel.
What Locals Love:
Trusted name with deep Boston roots.
Personalized support from staff.
Seamless transition after the merger—no service hiccups.
Standout Features:
Still feels like a community bank.
Access to Rockland’s digital and small business services.
Responsive customer care team.
- Note: Blue Hills Bank has merged with Rockland Trust. For current services, visit Rockland Trust Official Website.
Want Help Choosing?
| Bank | Best For | Monthly Fees | Mobile App Rating | Branches in MA |
|---|---|---|---|---|
| Eastern Bank | Community feel | Low/None | ⭐⭐⭐⭐ | 100+ |
| TD Bank | Long hours | Low | ⭐⭐⭐⭐ | 140+ |
| Rockland Trust | Service | Low | ⭐⭐⭐⭐½ | 130+ |
| CSB | High savings rate | Low | ⭐⭐⭐⭐⭐ | 15+ |
| Bank of America | Nationwide access | Moderate | ⭐⭐⭐⭐ | 200+ |
| Santander | Students | Low | ⭐⭐⭐⭐ | 200+ |
| Berkshire Bank | Small business | Low | ⭐⭐⭐⭐ | 80+ |
| Citizens | All-in-one banking | Moderate | ⭐⭐⭐⭐ | 200+ |
| DCU | Fees & rates | None | ⭐⭐⭐⭐⭐ | 25+ |
| Blue Hills (Rockland) | Local trust | Low | ⭐⭐⭐⭐ | 130+ |
Final Wrap-Up
Massachusetts offers an impressive range of banking options in 2025—whether you’re looking for:
A tech-savvy, fee-free online experience (like DCU or CSB)
In-person, relationship-driven banking (like Rockland Trust or Eastern Bank)
Or full-service financial management (like Citizens or Bank of America)
Each of these 10 banks has a proven track record of service, security, and customer satisfaction. Your best choice depends on your personal banking habits, lifestyle, and financial goals.
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I am Sabiq Rasel is an Entrepreneur and broadcaster. I believe that every sip of coffee holds the potential for a moment of inspiration, creativity, and every cup tells a story.
