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Main Street Bank’s routing number is 211370752.

You can find the bank’s routing number, along with your checking account number, on your checks. The first 9 digits are the bank’s routing number, also called an ABA number. The second set of digits are your checking account number. The last set of digits indicate the check number.

If you’re looking to change your direct deposit with your employer, or change your automatic deductions from your account, be sure to take a look at our account “Switch Kit” to make it easier for your to switch your account activity at Main Street Bank.

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Main Street Bank has taken many steps to make sure you are protected online:

• 256-bit Secure Sockets Layer (SLL) technology. To access your accounts, you must use a browser that supports a 256-bit encryption.
• A User ID and Password are required every time you login. Your sign on information is used for accessing your accounts online – never share them with anyone.
• The computers that run our site are protected by firewalls, which are systems that prevent unauthorized access to our network. They are constantly monitored to prevent security breaches.
• A Main Street Bank online session will automatically end, or “time out”, if you do not perform any transactions for twenty minutes. To resume your session, you will have to log back in to Online Banking.
• When using a new device to log into Online Banking for the first time, an additional level of security is added with an automated phone call to the primary phone number for you, SMS text message to the primary cell phone number for you, or additional “out-of-wallet” questions must be answered before being prompted to enter your password.

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If you have forgotten your password for Online and Mobile Banking, you can reset your password.

1. Visit the Online Banking login page: https://secure.myvirtualbranch.com/BankMainStreet/SignIn.aspx 
2. Select “Forgot your Password?”: https://secure.myvirtualbranch.com/BankMainStreet/ForgotPassword.aspx
3. Enter the required information to validate your entity to reset your password.
4. Choose your new desired password. Your password must have 3 out of 4 of the following criteria: lower case letter, upper case letter, special character, and/or number.

If you are unable to provide the required information to reset your password, you may call our 24/7 designated Online and Mobile Banking support line at 508-683-3567.

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To reset your Online or Mobile Banking login credentials, contact us:

• Call 508-683-3567 at any time.
• Find your branch and call them directly on our Hours & Locations page.
• Use the available contact options under Contact Us.

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For a full listing of all Main Street Bank locations and hours of operation, Click Here.

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Main Street Bank is closed during the following holidays:

Remember, our customers have access to Online and Mobile Banking, Bill Pay, and Mobile Deposit 24/7 – even during the holidays!

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While we offer free account options for both consumers and businesses, there are some standard one-off account fees that can apply in specific situations. For a list of all of our retail and business account fees, please review our Summary of Fees below.

Our Retail Summary of Fees outlines any fees associated with consumer deposit accounts.

Retail Summary of Fees

Our Business Summary of Fees outlines any fees associated with business and commercial deposit accounts.

Business Summary of Fees

Our Cash Management Summary of Fees outlines any fees associated with Cash Management deposit accounts and services.

Cash Management Summary of Fees

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All of our current mortgage rates and programs can be found in our Mortgage Center.

See Current Mortgage Rates

Let Main Street Bank keep an eye on interest rates so that you don’t have to! You can sign up for Rate Watch and we’ll e-mail current rate information to you on a regular basis.

Sign up for Rate Watch

Contact one of our Community Mortgage Lenders to help you determine the best-value mortgage for you.

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Buying a home is an important milestone, no matter what stage of life you’re in, and we’re here to make you feel comfortable every step of the way. Main Street Bank specializes in:

• Fixed Rate and Adjustable Rate mortgages for residential 1-4 family homes. The property may be owner occupied, non-owner occupied, or a vacation home.
• First Time Homebuyer programs with down payment requirements as low at 3%.
• Construction Loan programs where only interest is paid for the first 12 months, followed by regular monthly principal and interest payments, with only one loan closing.

Please contact one of our Community Lenders to get started. You can reach any of our lenders directly by phone or email – they’re very accessible, and ready to help!

You may apply online, in person or on the phone. You may call any lender to schedule an appointment to learn more. If you apply online, please select the Community Lender who has helped you.

Apply Now

We’ll ask for the following information:

• Name, current address, employer and address of employer, social security number and authorization to pull your credit, contact information, income, how much you are looking to borrow and if you are looking to purchase or refinance.
• Property address for the subject property. If you are looking for a home and are interested in a preapproval input the town and state but no street address.

What you’ll need to include to help us make a decision on your application:

• W-2’s for the last 2 years, 2 years tax returns if you are self-employed or paid commission
• Year to date paystub for the most recent 30 days
• Social Security or Disability Award letter
• Divorce decree if you are paying or receiving alimony
• Verify receipt of alimony/child support for the most recent 6 months, usually with bank statements
• Mortgage Statements on properties you currently own
• Homeowners insurance binders on properties you currently own
• Bank statements for the most recent 2-month period to ensure there are sufficient funds to close the loan requested
• 401-K Statement
• Billing statements for any bill you request to pay off with the loan proceeds
• Purchase and sales agreement if a purchase

To streamline the process you may choose to receive your documents electronically, and you can even sign these electronically at your convenience! Once you apply online we will send you an e-consent form. If you agree to e-consent, you may upload the necessary documents to our portal securely. If you do not agree you can mail or bring in to the branch. For your protection, please do not email the documentation unless you can send a secure email.

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Check deposits made to a checking or savings account at Main Street Bank can be sent to the following address:

Main Street Bank

Attn: Bank by Mail

PO Box 19

Marlborough, MA 01752

For any questions about your deposit accounts, you can contact your local branch at 508-481-8300 or [email protected].

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For individuals and businesses that have a deposit or loan account with Main Street Bank, we will make change for money in any amount. This means exchanging a $100 dollar bill for 5 $20 dollar bills, turning in smaller bills for larger ones, exchanging paper bills for coins, or any other combination of exchanging money.

Main Street Bank’s policy is to not exchange currency above the amount of $50 with anyone who does not have a deposit or loan account with the bank. We enforce this because:

• This protects the bank and our customers from possible counterfeit currency or currency used for fraudulent/illegal purposes.
• We are unable to trace currency back to those who do not have an account at the bank.
• Most financial institutions have a similar policy.

We appreciate your understanding of our obligation to protect our customers and the bank from potential risks.

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