With the impact of COVID-19 (2019 Novel Coronavirus) globally and now, more locally, we want to inform you of what Main Street Bank is doing to help keep our customers and employees protected.

Will Main Street Bank be adjusting branch or office hours?

We continue to monitor the developments and recommendations surrounding COVID-19 (2019 Novel Coronavirus) and follow the guidance from the Centers for Disease Control and local state agencies. Following recommendations and other public organizations, and have made the following adjustments:

  • Beginning on Wednesday March 18, we will be limiting branch access to DRIVE-UP and ATMs ONLY during normal business hours.
  • As of Thursday, March 19, the Sudbury branch located inside Sudbury Farms Supermarket is temporarily closed, however the ATM is fully functional.

For safety deposit box access or all other needs, you may call your local branch to schedule an appointment. We are committed to providing the service and support you depend on daily, and we are proactively implementing contingency plans that ensure all critical business functions can continue during this time.

We will always post any changes in branch and office hours on our website, so please continue to check back for updates at www.BankMainStreet.com.

What should I do if I need support paying my loan at Main Street Bank?

Together, we are facing an unprecedented and challenging time, and we have yet to see what the full impact of the COVID-19 pandemic will have on our local economy. We know that in the current environment, we have customers who are impacted, some more drastically than others.  We are committed to working with you however we can.

For our local business customers in need of loan payment relief, we have developed a streamlined process designed to help with financial challenges.

For businesses that are looking for working capital during this time, we will do as much as we can to support our customers and our community, including leveraging government programs.  Local businesses in need can also visit this resource for assistance:

Retail loan customers have our support if they are challenged with making payments due to COVID-19. Some of the steps we are taking to provide relief to our borrowers:

  • Providing payment deferral accommodations, such as allowing borrowers to defer up to 3 months of payments
  • Waiving assessments of penalties and late fees during a payment accommodation
  • Suspending new delinquency status reporting to credit bureaus during the deferral period
  • If approved for Emergency Temporary Servicing Relief, interest will continue to accrue on your loan which may result in higher payments or the payment of additional interest over the life of the loan
  • Enrollment in an Emergency Temporary Servicing Relief plan does not affect real estate borrowers’ escrow payment obligations

If you or someone you know is struggling during this time, please reach out to us.  We are here to help.

Local businesses and commercial customers, please reach out to your loan officer. Retail banking customers can call 508-460-4167, or email loanoperations@bankmainstreet.com or solutions@bankmainstreet.com.

Has Main Street Bank been impacted?

Main Street Bank remains safe and sound. We are closely monitoring the situation and are following the guidance of the Centers for Disease Control (CDC) and the World Health Organization (WHO), among other sources. Additionally, we have a robust Business Continuity Plan to ensure our service to you remains uninterrupted.

As a standard practice, we are always mindful of the health and well-being of our clients and colleagues and take precautionary measures to keep our facilities clean and well maintained. We are also following the guidance of the Centers for Disease Control.

How can I do my banking while minimizing my exposure to potential illnesses?

We highly encourage our customers to use methods of banking that are not person-to-person contact. There are several ways you can continue to do your banking without having to visit or go inside a branch.

  1. Mobile Banking and Online Banking let you monitor transactions, make transfers, pay bills, and send money to friends and family at any time. Download our mobile banking app for iPhone or for Android devices, and enroll in Online Banking today.
  2. Mobile Deposit allows you to deposit checks into your account by taking a picture with your phone. Learn how to use Mobile Deposit.
  3. Apply for a loan or mortgage online using our secure website application. Apply for a Personal Loan or apply for a Mortgage right from our website.
  4. Use the ATM or drive-up and avoid using the lobby. Remember to sanitize or wash your hands after using any public machines and devices! All of our branch locations have a drive-up lane (except for Sudbury) and drive-up ATM option (except for Sudbury and Littleton.)
  5. Call us. If you want to avoid the crowds, you can get support from us 24/7. Call 508-481-8300.
  6. Provide your email address to us so that we can continue to communicate with you about important notices and relevant information about the bank.

Is my money safe at Main Street Bank?

Yes, your deposits continue to be completely insured at Main Street Bank. Main Street Bank is a member of both the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). The DIF is a private, industry-sponsored insurance fund that insures all deposits above FDIC limits at member banks.

The FDIC insures each depositor up to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF). The combination of FDIC and DIF insurance provides customers of Main Street Bank with full deposit insurance on all of their deposit accounts. No depositor has ever lost a penny in a bank insured by both the FDIC and the DIF. Learn more about FDIC and DIF deposit insurance coverage.

Do I need to be concerned about scams or fraud?

We encourage you to be cautious when opening emails and visiting websites at all times, but especially during times when there is a flurry of information coming from various sources. You should always be mindful when clicking on links from sources you don’t know or opening and clicking within emails sent from people or organizations you are not familiar with. Scammers have already tried to take advantage of the current economic and public health environment, and you should be critical of any and all information you receive from unknown sources. Learn more about what to look out for from the Federal Trade Commission Consumer Information.

What resources are there to help businesses, individuals, and families through this time?

We understand this is a challenging time for all of our customers and neighbors, and offer you support by sharing the following reputable resources to help you manage your finances and get through this period.



Will Main Street Bank be hosting any events?

No, we are pausing on hosting customer events until further notice, out of an abundance of caution and care for your health and the health of our customers and communities. We’ll continue to monitor the situation and notify you should this position change in the future.

What other information do you have about COVID-19 (Coronavirus)?

We are relying on information from the CDC, WHO, and Massachusetts Department of Public Health (DPH) to follow best practices and keep our customers, employees, and communities as healthy as possible. For more information about COVID-19, you can review the following fact sheets from the MA DPH.

Massachusetts Public Health Fact Sheet COVID-19 (English)

Hoja De Datos De Salud Pública De Massachusetts COVID-19 (Espanol)