Coronavirus Update

Friday, May 22, 2020:

We Have Certainly Missed Serving You In Person!

BayCoast Bank branches are preparing to open our lobby doors and implement some new "normal" practices until Governor Baker's 4 phase re-entry program is complete.  

As a united family of services, we, as well as our affiliates, will be making some necessary changes in order to fully comply with the required guidelines. Throughout this time, we will continue to make the safety and wellness of our employees, customers, and the communities in which we serve our top priority. We will work to ensure this in several ways... 

First and foremost, we will be opening our branches in staggered stages. Our drive-thrus will continue operating as normal until each lobby is open. The first stage of our re-opening is currently planned for Monday, June 8th. We will send another update with specifics and what you will need to do to prepare for a visit inside our lobbies before that date. Things like wearing a mask, standing 6 feet apart, ensuring you are not ill at the time, and more…  

We would like to remind you of the alternative banking options also offered to you. If it is not necessary to enter a branch during this time, please first consider using one of the methods below:   

  • ITMs available at most branch locations: Mon-Fri. 7am-7pm & Saturday 8am- 2pm   
  • ATMs available 24/7  
  • Mobile Banking 24/7  
  • Online Banking/Bill Pay 24/7  
  • Telephone Banking: (888) 533-6695 24/7  
As more branches open and allow for a higher number of people to enter, we will provide customers with clear and pertinent instructions and information. In addition, employees will be properly trained to deal with all the added precautions before opening. We are here to help you through every step of this transition.  

Wednesday, May 20, 2020:

Massive Fraud Against State Unemployment Insurance Programs

The United States Secret Service has received reporting of a well-organized Nigerian fraud ring exploiting the COVID-19 crisis to commit large-scale fraud against state unemployment insurance programs.  The primary target so far is Washington, while there is also evidence of attacks in North Carolina, Massachusetts, Rhode Island, Oklahoma, Wyoming, and Florida.  To read more, please visit our page for Scams Related to COVID-19.

Tuesday, May 19, 2020:

New Funding for Coronavirus SBA Loans Attracts Scammers

As a result of the recent hundreds of billions of dollars in new funding, scammers may be targeting folks that have applied for PPP or EIDL loans offered through the SBA.  Scammers are attempting to trick these customers into giving sensitive business information, like bank account numbers, employee's Social Security Numbers, and the like.  For more information, please visit our Scams Related to COVID-19 page.

Monday, April 27, 2020:

Round 2 for Paycheck Protection Program

We are now accepting applications for our existing business customers as well as businesses without an existing relationship in the communities we serve. Our current branch footprint includes: Attleboro, Berkley, Dartmouth, Dighton, Fairhaven, Fall River, Foxborough, New Bedford, Seekonk, Somerset, Swansea, and Westport, Massachusetts; Cranston, Little Compton, Providence, and Tiverton, Rhode Island. Instructions on how to apply, initial documents needed and submission link are listed on our CARES Act page here: BayCoast Bank CARES Act

Monday, April 27, 2020:

Important Update

We are sharing the news with you that today we have learned one of our employees has tested positive for the coronavirus. We have also learned that another employee was recently tested and is anticipating a positive result. In the first case, the employee works at our Stafford Road location in Fall River. Due to personal time off, however, the employee had not been in the building since April 14, 2020. Prior to that time, the employee was asymptomatic.  The second employee works out of the Wilbur Avenue location in Swansea, MA. Both locations – Stafford Road, which houses both a BayCoast branch and an office for our affiliate, Partners Insurance Group, as well as the Wilbur Avenue branch – have been closed to the public other than by appointment since March 19. 

Please be assured that we are doing all we can to stem the spread of the virus further.  We will be closing both the Wilbur Avenue branch and the Stafford Road branch and insurance offices on Monday, April 27, and Tuesday, April 28, to ensure they are cleaned and sanitized. The individuals’ co-workers will also self-quarantine for the recommended CDC time period for each instance.  Upon their return, the staff will be mandated to wear masks and gloves when handling customer transactions during business hours. If you are a customer at these locations and are in need of our banking or insurance services over the next two days, please visit one of our additional locations or utilize our Interactive Teller Machines, mobile and online banking options.   

We have been and continue to actively encourage our employees to stay home should they be suffering from any symptoms related to COVID-19, or if they believe they may have been exposed to someone else with the coronavirus. We are following the recommendations set forth in the guidelines recently published by the Centers for Disease Control and are actively monitoring news coming from the CDC to ensure we have the latest information. We are also making all accommodations during this time so that our employees feel confident that they are supported should they need to stay home for any length of time, and that our customers know that their banking needs will be met in a professional, efficient, and safe manner. 

Additionally, we understand that more of our bank customers may choose to access our ITMs, ATMs, mobile banking, or online banking services. Should there be questions about these services, please call your local branch or 508-678-7641. If you need Partners Insurance Group services, you can call 508-491-3100 or log into My Partner 24/7 for assistance. We will have staff on hand to respond to your questions and help you bank confidently.   

We share this news recognizing that the best way to slow the spread of this illness is through transparent and timely information-sharing. Our utmost concern is for the health of our employees and our customers, and we will continue to provide updates as appropriate.   

In the meantime, should you have any questions or concerns, please do not hesitate to call us at 508-678-7641.   

Thank you for your continued support.

Stay Well,
Nicholas M. Christ
President & CEO

Wednesday, April 22, 2020:

BayCoast Bank Re-Opens Paycheck Protection Program Applications

As of April 22th, 2020 BayCoast Bank will be re-opening the submission portal in anticipation of Congress allocating a second round of funding for SBA's Paycheck Protection Program loans. Instructions on how to apply, initial documents needed and submission link are listed here: BayCoast Bank CARES Act page

Thursday, April 16, 2020:


As of April 16th, 2020 all funds for the Small Business Administration’s Paycheck Protection Program have been exhausted. The federal government is currently debating the allocation of additional funding to the program, however they are currently not accepting any applications. If you have previously applied with us for a PPP loan, you will be receiving an email shortly on the status. Should more funding become available, we will begin responding to requests at that time.

Monday, April 6, 2020:

IRS Scams Surrounding Economic Impact Payment

We would like to share this guidance as one of our directors provided some information on what the IRS has reminded tax professionals to communicate to clients:
"We urge people to take extra care during this period. The IRS isn't going to call you asking to verify or provide your financial information so you can get an economic impact payment or your refund faster," said IRS Commissioner Chuck Rettig. "That also applies to surprise emails that appear to be coming from the IRS. Remember, don't open them or click on attachments or links. Go to for the most up-to-date information.

Taxpayers should watch not only for emails but text messages, websites and social media attempts that request money or personal information.

The IRS reminds retirees – including recipients of Forms SSA-1099 and RRB-1099 − that no one from the agency will be reaching out to them by phone, email, mail or in person asking for any kind of information to complete their economic impact payment, also sometimes referred to as rebates or stimulus payments. The IRS is sending these $1,200 payments automatically to retirees – no additional action or information is needed on their part to receive this.”

Baycoast reminds you that the IRS does not contact individuals via phone, email or text.  They use the old fashioned United States Post Office.

Friday, April 3, 2020:

COVID-19 Stimulus Scams. 

The US Congress recently passed a large COVID-19 relief and stimulus package. As with other aspects of the COVID-19 pandemic, fraudsters are exploiting the relief and stimulus to victimize the public. The US Secret Service is observing a rise in stimulus relief fraud over the past several days and expects the fraud attempts to continue throughout the pandemic. Criminal actors are using a variety of means to contact potential victims. In one instance, the criminal actors are using spoofed email addresses posing as US Treasury officials requesting that the victim provide personal identifying information (PII) so that they can receive their share of the stimulus. (Source: US Treasury)

Friday, March 26, 2020:

Like you, we are walking through uncharted territory, with the outbreak of the coronavirus in the United States and specifically throughout the SouthCoast region. We hope this  finds you and your family safe and well. We’re aware many of you are feeling uncertainty and worry during this time. We also know that each customer is dealing with their own  unique situation, and we want you all to know…

We are here to help.

“Caring about people” is BayCoast’s first and most important core value. As your bank, you can count on us to be in your corner, offering relief in as many ways as we can. If you are experiencing a hardship or have been impacted by the COVID-19 pandemic, please reach out to us at the following numbers below to discuss some options:

Personal Accounts:
Personal Deposit Accounts - 888-806-2872
Personal and Home Loans- 877-610-1760 
Business/Commercial Accounts:
Business/Commercial Deposit Accounts – 888-860-2872
Commercial Loans- Please contact your personal BayCoast Bank Commercial Lender to discuss how we can support you during this challenging time.

Special Note on Government-sponsored COVID-19 Relief programs: There are several special financing and grant programs that were approved by the Senate and the House which are now awaiting approval by the President. Rest assured, once the relief measures pass, we will be a resource for you to access them. We can also offer you information on programs not managed by us. Click here to find quick links to some resources we have found that might be helpful. In the coming weeks, we will do everything we can to ease the strain on your personal and business budgets. We care about you, and we are here to help.

Tuesday, March 17, 2020:Alternative Ways to Bank Chart

Given the uncertainty of the present time, we are committed to communicating frequently and sharing information transparently to keep our customers as well-informed and confident as possible. 

In our continued effort to keeping our customers as safe as possible while also meeting their banking needs, we will be closing our BayCoast Bank branch lobbies as of 03/19/20. We will be keeping our drive-up lanes open so that customers can have access, and most of our locations do offer drive up Interactive Teller Machines (ITMs) and/or ATMs, and these will remain active throughout this time period. For those unfamiliar with our ITMs, click here for more information on transactions that can be conducted virtually. 

While we love to serve you in person, we respect that these are uncertain times and want to remind you of the alternative banking options we offer such as:

  • ITMs Mon-Fri. 7am-7pm & Saturday 8am- 2pm 
  • ATMs available 24/7
  • Mobile Banking 24/7
  • Online Banking/ Bill Pay 24/7
  • Telephone Banking: (888) 533-6695 24/7

We will continue to keep you informed of any changes to this plan, as well as potential impact and alternate arrangements as a result of these changes. At present, all branch drive-up lanes are open, and access to both Interactive Teller Machines and ATMs are available through this method. For a list of Interactive Teller Machine and ATM locations, please click here. Branch staff will be available for assistance with safe deposit boxes, by appointment only. 

We also continue to encourage our customers to access our mobile banking or online banking services. Should there be questions about these services, please call 508-675-4404, and we will have extra staff available to respond to your questions and help you bank confidently. 

We continue to work toward helping contain and mitigate the spread of the novel Coronavirus – for our customers, for our employees, and for the greater BayCoast Bank community. In that vein, we are also working to ensure as many of our back-office staff members who can work from home are doing so. 

We will also continue to follow the recommendations set forth in the CDC’s guidelines, as well as the mandates from Governors Baker and Raimondo. 

We understand that it will be hard to know what to expect over the next few days and weeks, but we want to ensure that we will continue to transparently share information in a timely manner to keep you as up-to-date and knowledgeable as possible. 

As always, our utmost concern continues to be the health of our employees and our customers, and we will continue to provide updates as appropriate. 

Friday, March 13, 2020:

As a united family of services, BayCoast Bank, BayCoast Mortgage Company LLC, Plimoth Investment Advisors, Partners Insurance Group, and Priority Funding are all working together to ensure the safety and wellness of our employees, customers, and the communities we serve. As public health concerns grow surrounding the novel Coronavirus (COVID-19), we want to keep you informed with the most current information available as well as the proactive steps we're taking to prevent the spread of the virus in our communities. We are closely monitoring the latest developments regarding COVID-19 from public health organizations such as the Center for Disease Control (CDC) and the World Health Organization (WHO). Any actions we take will be consistent with guidelines set in place from these agencies and local health department officials. In addition to monitoring the status of this virus, please be assured that BayCoast Bank has a formal plan to ensure the continuity of our business. We will provide updates here as new information becomes available.

What we are doing:

We have several precautionary measures in place to prevent the likelihood that our operations would be significantly affected by the Coronavirus, including:

  • Educating employees on preventative measures they can take and sharing important updates from the CDC.
  • Offering flexibility in several sick leave policies, and encouraging employees that feel sick to stay home.
  • Facilities staff have increased the frequency and fervor in which they are cleaning offices and high trafficked areas in our buildings.
  • We have instituted "hands-free" zones in all our locations. We have signs posted stating that we have a temporary no handshake policy in place for the safety and well being of our employees, customers, and community alike.
  • Limiting face to face contact by canceling all non-essential bank travel/conferences/events and holding meetings via teleconference.
  • All staff is encouraged to wash their hands with soap and water frequently. When running water is not readily available, the use of alcohol-based hand sanitizers is advised and has been provided to them at all our office locations.
  • Bank branch staff has been equipped with individual-sized alcohol-based hand sanitizers to distribute to their customers.
  • We are sharing precautions and updates recommended by the CDC on our social media channels on Facebook and Twitter.

Alternate Banking Options Available

If you're practicing your own social-distancing, your BayCoast account is always accessible through the following channels:

  • ITMs (Interactive Teller Machines) are available from 7 AM - 7 PM Monday - Friday, 8 AM - 2 PM Saturday - find a location
  • Online Banking: Personal Banking  &  Business Banking
  • Mobile Banking:  iPhone  &  Andriod
  • Debit Cards - You can minimize cash handling by using your debit card instead.
  • Mobile Payments: You can connect your BayCoast Bank debit card to your mobile wallet app (ApplePay or Google Pay) and just tap-and-go in the checkout line.
  • POP Money (Person-to-person payments) - Avoid cash by sending funds to anyone with a valid email address or mobile phone number.
  • Telephone Banking by calling 888-533-6695
  • Reach us by phone if you have a question: 508-678-7641
  • Online Account Opening
  • ATMs are available 24/7/365 - find a location

Be aware of scams

The Cybersecurity and Infrastructure Security Agency (CISA) warns individuals to remain vigilant for scams related to Coronavirus Disease 2019 (COVID-19). Cyber actors may send emails with malicious attachments or links to fraudulent websites to trick victims into revealing sensitive information or donating to fraudulent charities or causes. Exercise caution in handling any email with a COVID-19-related subject line, attachment, or hyperlink, and be wary of social media pleas, texts, or calls related to COVID-19.

CISA encourages individuals to remain vigilant and take the following precautions:

  • Avoid clicking on links in unsolicited emails and be wary of email attachments.
  • Use trusted sources—such as legitimate, government websites—for up-to-date, fact-based information about COVID-19. We've provided some helpful links below.
  • Do not reveal personal or financial information in email, and do not respond to email solicitations for this information.
  • Verify a charity’s authenticity before making donations.
  • Review CISA Insights on Risk Management for COVID-19 for more information.

Additional Resources

CDC - Stop the Spread of Germs flyer

CDC - Symptoms of Coronavirus Disease 2019 flyer

Centers for Disease Control and Prevention - COVID-19 Data Page

CDC - Public-Private Partnerships and the CDC Business Guidelines

World Health Organization Coronavirus Disease (COVID-19) - Outbreak Page

Mass.GOV Information on the Outbreak of Coronavirus Disease 2019 - COVID-19 Page

Mass.GOV COVID-19 Resources & Guidance for Businesses

RI.GOV Department of Health - Coronavirus Disease 2019 - COVID-19 Page

Coronavirus & Business Income Losses - Independent Agent

Coronavirus and Commercial Business Shutdown Coverage - Mass. Association of Insurance Agents