Your money is 100% safe and insured at Main Street Bank with FDIC and DIF insurance. Learn more.

Main Street Bank
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Frequently Asked Questions for Opening An Account

Q. How can I speed up my application?

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A. If you already have an account with us, we can automatically fill out parts of your application using the information you provided when you opened your other account.  You can speed up your application using information from your ATM/check card account, a deposit account (excluding CD accounts), or a loan account.

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Q. Which ownership type should I use?

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A. If you will be the only person to have ownership on this account select Individual.  If you want to add a co-owner to the account, select Joint.

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Q. How is my personal information used?

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A. Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens and account.  Your information is securely stored on your account and customer records once your new account is opened.

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Q. How can I find my security code (CVV)?

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A. Flip your card over and look at the signature box. You should see either the entire 16-digit credit card number or just the last four digits followed by a special 3-digit code. This 3-digit code is your Card Security Code.

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Q. What is backup withholding?

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A. Backup withholding is a type of withholding for federal income taxes on certain types of income. Backup withholding may be mandatory in certain circumstances. Most taxpayers, however, are exempt from backup withholding. The IRS requires backup withholding if your name and Social Security number on Form W-9 does not match their records. They often require backup withholding if you owe federal income taxes, or if you have not reported all your interest, dividends and other income on your tax returns.

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Q. Why do I need to review and accept disclosures?

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A. Disclosures contain the important terms and conditions that apply to your new account.  Reviewing and accepting disclosures ensure that you are informed about how we will manage your new account.

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Q. What is a U.S. Person?

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A. The term ”United States person” or “U.S. person” means:

  • A citizen or resident of the United States
  • A domestic partnership
  • A domestic corporation
  • Any estate other than a foreign estate
  • Any trust if:
    • A court within the United States is able to exercise primary supervision over the administration of the trust, and
    • One or more United States persons have the authority to control all substantial decisions of the trust
      Any other person that is not a foreign person.

 

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Q. What is FATCA?

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A. The Foreign Account Tax Compliance Act (FATCA) is a United States federal law requiring United States persons (including those living outside the U.S.) to have yearly reported themselves and their non-U.S.financial accounts to the Financial Crimes Enforcement Network (FINCEN), and requires all non-US (Foreign) Financial Institutions (FFI’s) to search their records for suspected US persons for reporting their assets and identities to the US Treasury.

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Have a Question?Have a Question?

Here are some quick ways you can get an answer to your question:

  • Start a Video Call
  • Send us an Email
  • Call us at 508-481-8300, 24/7 customer support is available

Main Street Bank

Our lives are richer when we support one another. This is the guiding principle for how Main Street Bank does business.

Main Office
81 Granger Boulevard
Marlborough, MA 01752
508-481-8300

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  • Member FDIC
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  • Routing # 211370752
  • NMLS ID # 562292
  • ©2023 Main Street Bank

Thank you for banking with us!

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UPDATE: The Ayer branch is now OPEN.

IMPORTANT NOTICE: Our branch located in Pepperell will be CLOSED for the remainder of the day. Please use one our other branch locations or Video Connect for your banking needs.

Mobile and Online Banking are accessible 24/7 for your convenience.

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