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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

Upcoming Events

  1. Homebuyer Virtual Seminar Series: How much money do you need to buy a home?

    September 12 @ 5:30 pm - 6:30 pm
  2. Homebuyer Virtual Seminar Series: How to qualify for a loan.

    September 14 @ 6:00 pm - 6:45 pm
  3. Homebuyer Virtual Seminar Series: After Pre-Approval Do’s and Don’ts.

    September 24 @ 11:00 am - 12:00 pm

View All Events

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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Thank you for banking with us!

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NOTICE: Due to road paving on Main Street in Hudson, our Hudson branch parking lot may be difficult to access on Wednesday, August 17th and Thursday, August 18th. The lobby will remain accessible. We suggest you park on a side street if you intend to visit during either of those days.

 

We also invite you to try our Video Connect live video banking service during normal business hours by clicking on the “Visit with us now!” widget on our home page. Thank you for you patience.

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

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