# Machias Savings Bank
> Machias Savings Bank provides personal, small business, and commercial banking solutions to individuals and communities throughout Maine and New Hampshire.


Founded in 1869, Machias Savings Bank is a community-focused institution dedicated to improving the financial health of Maine and New Hampshire. With a history of fostering long-lasting customer relationships, the bank has grown to over USD 2.3 billion in assets and serves communities across both states from its 15 Maine branches and its location in Manchester, New Hampshire. The bank’s mission is to empower its customers and communities by providing financial resources, encouraging employee volunteerism, and helping people and businesses achieve their financial goals.


## Personal Banking
[Personal Checking and Savings | Machias Savings Bank in Maine](https://www.machiassavings.bank/personal/checking-savings/) - Explore a variety of checking and savings account options from Machias Savings Bank. Visit a branch or open an account online today!
[My MSB Certificate of Deposit | Machias Savings Bank in Maine](https://www.machiassavings.bank/personal/checking-savings/certificate-of-deposit-savings/) - Put your money aside for a fixed period of time and watch it grow when you open a certificate of deposit account with Machias Savings Bank. Open an account today!
[Simplified Employee Pension Plan | Machias Savings Bank](https://www.machiassavings.bank/personal/checking-savings/employee-pension-plan/) - Focus on building your business, and we'll help build your retirement for yourself and your employees with a simplified employee pension plan. Contact us today!
[High Yield Savings - Machias Savings Bank](https://www.machiassavings.bank/personal/checking-savings/high-yield-savings/) - Earn a competitive rate while keeping access to your money. Open a high yield savings account today!
[My MSB Checking | Easy and Convenient Banking | Machias Savings Bank](https://www.machiassavings.bank/personal/checking-savings/my-msb-checking/) - Explore My MSB Checking at Machias Savings Bank. Experience banking that's easy and straightforward, designed with you in mind. Open an account today!
[My MSB Health Savings | Machias Savings Bank](https://www.machiassavings.bank/personal/checking-savings/my-msb-health-savings/) - Save for qualified healthcare expenses with a My MSB Health Savings account. Learn more about features and eligibility.
[My MSB Money Fund | High-Interest Deposit Account | Machias Savings Bank](https://www.machiassavings.bank/personal/checking-savings/my-msb-money-fund/) - Keep your savings safe and growing with a money fund account from Machias Savings Bank. Speak to a representative today to learn more about this account option!
[My MSB Savings | Personal Savings | Machias Savings Bank](https://www.machiassavings.bank/personal/checking-savings/my-msb-savings/) - Make saving easier when you open a personal savings account with Machias Savings Bank. Open an account online or visit a branch today!
[Roth IRA | Personal Banking | Machias Savings Bank in Maine](https://www.machiassavings.bank/personal/checking-savings/roth-ira/) - Opening a Roth IRA retirement plan will give you access to tax-free funds in the future. Machias Savings Bank can help you set up an account today!
[Traditional IRA | Personal Banking | Machias Savings Bank](https://www.machiassavings.bank/personal/checking-savings/traditional-ira/) - Start saving for retirement or supplement your existing savings with a traditional IRA from Machias Savings Bank. Contact us today to learn more or open an account!
[Home Mortgage Loans | Personal Banking | Machias Savings Bank](https://www.machiassavings.bank/personal/mortgage/) - Machias Savings Bank offers a variety of home mortgage options to help you finance your new home purchase. Get pre-approved and apply today!
[Construction Mortgage in Maine | Machias Savings Bank](https://www.machiassavings.bank/personal/mortgage/construction/) - Build the home of your dreams with a construction mortgage loan from Machias Savings Bank. Apply online or visit one of our branches in Maine today!
[Fixed Rate Mortgage | Machias Savings Bank in Maine](https://www.machiassavings.bank/personal/mortgage/fixed-rate/) - A fixed-rate mortgage loan designed to help you purchase or refinance your home. Get pre-approved and apply online or at one of our branches today!
[Home Equity Line of Credit | Machias Savings Bank in Maine](https://www.machiassavings.bank/personal/mortgage/heloc/) - A home equity line of credit from Machias Savings Bank can help you accomplish goals like renovations or paying for college. Learn more today!
[Home Equity Loan | Machias Savings Bank in Maine](https://www.machiassavings.bank/personal/mortgage/home-equity-loan/) - Home equity loans from Machias Savings Bank can help you pay for home improvements, consolidate debt, or even make large purchases. Connect with our mortgage experts to learn more!
[Maine Land Only Mortgage | Machias Savings Bank](https://www.machiassavings.bank/personal/mortgage/land-only/) - With a Land-Only Mortgage from Machias Savings Bank, you can purchase land-only and build equity for future improvements or construction. Apply online or visit us!
[Maine State Housing Mortgage | Machias Savings Bank in Maine](https://www.machiassavings.bank/personal/mortgage/maine-state-housing/) - The Maine State Housing Mortgage is designed for Maine residents looking for their very first home. Complete our online application or visit one of our branches!
[Mobile Home and Land Loan | Machias Savings Bank in Maine](https://www.machiassavings.bank/personal/mortgage/mobile-home-land-loan/) - Machias Savings Bank's mobile home and land loan is a flexible financing option for purchase or refinancing. Apply online or visit one of our Maine branches!
[Pre-Qualification - Machias Savings Bank](https://www.machiassavings.bank/personal/mortgage/pre-qualification/) - Get pre-qualified to understand your homebuying budget and streamline your mortgage process. Start online today.
[Seasonal Mortgage in Maine | Machias Savings Bank](https://www.machiassavings.bank/personal/mortgage/seasonal/) - Finance a vacation home or camp with a seasonal mortgage from Machias Savings Bank. Contact our mortgage experts to learn more about our financing options!
[Mobile and Online Banking Services | Machias Savings Bank](https://www.machiassavings.bank/personal/online-mobile-banking/) - Our Mobile and Online Banking Services offer a secure way to check balances, make payments, and move money. Enroll now and download our mobile app today!


## Small Business Banking
[Small Business Banking In Maine | Machias Savings Bank](https://www.machiassavings.bank/small-business/) - Some banks like to say No to new business ideas. We're not most banks. Your goals are our goals. We work hard to find the "Yes!" for your small business. Contact us today!
[Business Services Team - Machias Savings Bank](https://www.machiassavings.bank/small-business/business-services-team/) - Meet the Machias Savings Bank business services team that supports small businesses across Maine. Connect with a specialist.
[Small Business Checking and Savings | Machias Savings Bank](https://www.machiassavings.bank/small-business/checking-savings/) - Explore a variety of small business checking and savings account options from Machias Savings Bank. Visit a branch or open an account online today!
[Essential Business Fund | Small Business | Machias Savings Bank](https://www.machiassavings.bank/small-business/checking-savings/essential-business-fund/) - Start saving towards your business goals while maintaining access to cash with an Essential Business Fund account. Open an account for your business today!
[Exceptional Business Checking | Small Business | Machias Savings](https://www.machiassavings.bank/small-business/checking-savings/exceptional-business-checking/) - Exceptional Business Checking delivers a complete line of banking essentials for your small business. Open an account today!
[Exceptional Business Savings | Small Business | Machias Savings](https://www.machiassavings.bank/small-business/checking-savings/exceptional-business-savings/) - Plan for the unexpected or save to expand with an Exceptional Business Savings account. Open an account today!
[Interest Checking for Small Businesses | Machias Savings](https://www.machiassavings.bank/small-business/checking-savings/experienced-with-interest-checking/) - Open a small business checking with interest account from Machias Savings Bank. Visit a branch or open an account online today!
[My MSB Health Savings | Small Business | Machias Savings Bank](https://www.machiassavings.bank/small-business/checking-savings/health-savings-account/) - Make paying for healthcare easier and potentially less expensive with a health savings account. Contact our banking team to learn more.
[High Yield Savings Small Business - Machias Savings Bank](https://www.machiassavings.bank/small-business/checking-savings/high-yield-savings/) - Earn more on your business savings while keeping access to your funds. Open a high yield savings account today!
[SEP Plan for Small Businesses in Maine | Machias Savings Bank](https://www.machiassavings.bank/small-business/checking-savings/simplified-employee-pension-plan/) - A simplified employee pension plan can help your small business provide retirement benefits to employees. Contact Machias Savings Bank to get started!
[Small Business Fraud Prevention | Machias Savings Bank](https://www.machiassavings.bank/small-business/fraud-prevention/) - Avoid check and ACH fraud with robust fraud prevention services from Machias Savings Bank. Learn about measures to keep your business safe.
[Small Business Loans in Maine | Machias Savings Bank](https://www.machiassavings.bank/small-business/loans/) - Machias Savings Bank offers Maine small business loans to help your business move forward. Talk to our team about your options and apply today!
[Mastercard Credit Cards | Small Business | Machias Savings Bank](https://www.machiassavings.bank/small-business/mastercard-credit-cards/) - Choose from small business Mastercard credit cards with perks to fit your spending and rewards needs. Apply now!
[Money Management for Small Businesses | Machias Savings Bank](https://www.machiassavings.bank/small-business/money-management/) - Tools and services to help small businesses manage cash flow, payables, receivables, and more. Contact us to learn more.
[Online and Mobile Banking | Small Business | Machias Savings](https://www.machiassavings.bank/small-business/online-mobile-banking/) - Online and mobile banking with the tools you need to manage your business finances. Enroll now and download the app.
[Autobooks | Business Finance Tool | Machias Savings Bank](https://www.machiassavings.bank/small-business/online-mobile-banking/autobooks/) - Autobooks helps with invoicing, accounting, and accepting payments—securely within MSB Business Online. Get started by enrolling today!
[Payroll | Small Business Services | Machias Savings Bank](https://www.machiassavings.bank/small-business/payroll/) - Make your payroll quick and easy with Complete Payroll Solutions—HR, payroll, and benefits all in one place. Explore the technology today!


## Commercial Banking
[Commercial Business Banking In Maine | Machias Savings Bank](https://www.machiassavings.bank/commercial/) - At Machias Savings Bank, our goal is to help grow your commercial business. Our relationship bankers will work hard to help you find your "YES!" Contact us today!
[Commercial Payables and Receivables Solutions | Machias Savings Bank](https://www.machiassavings.bank/commercial/payables-and-receivables/) - We offer secure, flexible solutions to help you manage payables and receivables with confidence.
[Commercial Checking and Savings | Machias Savings Bank](https://www.machiassavings.bank/commercial/checking-savings/) - Explore our deposit solutions and find the right account for your commercial business. Visit one of our branches in Maine or open an account online!
[Commercial Business Loans in Maine | Machias Savings Bank](https://www.machiassavings.bank/commercial/loans/) - Machias Savings Bank offers a loan for almost every business need. Your dedicated local relationship banker will work closely with you to help you find your "YES!" Learn more.
[MasterCard Commercial Credit Cards | Machias Savings Bank](https://www.machiassavings.bank/commercial/mastercard-commercial-credit-cards/) - The Machias Savings Bank MasterCard commercial credit card is as unique as your business - with rewards and perks to help you make the most of your money. Apply now!
[Commercial Treasury Services | Machias Savings Bank](https://www.machiassavings.bank/commercial/treasury-services/) - Treasury Services are specialized, comprehensive solutions designed to help commercial clients streamline and secure their financial operations.
[Commercial Online and Mobile Banking | Machias Savings Bank](https://www.machiassavings.bank/commercial/online-mobile-banking/) - Machias Savings Bank's online and mobile banking provides access to tools and resources to help you manage cash flow. Learn more about our services!
[Payroll | Commercial Business Services | Machias Savings Bank](https://www.machiassavings.bank/commercial/payroll/) - Make your payroll quick and easy with isolved, featuring HR, payroll and benefits all in one place. Learn more about our payroll technology today!
[Commercial Fraud Mitigation | Machias Savings Bank](https://www.machiassavings.bank/commercial/fraud-mitigation/) - Safeguard against fraud with proactive solutions that protect your accounts, secure your payments, and keep your business moving forward.
[Commercial Liquidity Solutions | Machias Savings Bank](https://www.machiassavings.bank/commercial/liquidity-solutions/) - We provide tailored solutions and expert guidance to help you determine which accounts and structures best support your business.


## Business Resources
[Business Resource Center](https://www.machiassavings.bank/business-resource-center/) - Provides tools and templates to help businesses flourish and grow.
[Financial Best Practices for Government & School Leaders](https://www.machiassavings.bank/business-resource-center/articles/financial-best-practices-for-government-and-school-business-leaders/) - An article on financial best practices for public sector leaders.
[Managing Seasonal Demand](https://www.machiassavings.bank/business-resource-center/articles/managing-seasonal-demand/) - An article on strategies for handling seasonal business fluctuations.
[Break-Even Calculator](https://www.machiassavings.bank/business-resource-center/calculators/break-even/) - A tool to calculate the point where revenue equals costs.
[Business Value Template](https://www.machiassavings.bank/business-resource-center/templates/business-value/) - A template to help determine the value of your business.
[Business Loan Estimate Calculator](https://www.machiassavings.bank/business-resource-center/calculators/business-loan-estimate/) - A calculator to estimate payments for a business loan.
[Purchasing a Summer Camp Roadmap](https://www.machiassavings.bank/business-resource-center/articles/business-roadmap-financial-planning-for-purchasing-a-summer-camp/) - A financial planning roadmap for buying a summer camp.
[Starting Up Checklist](https://www.machiassavings.bank/business-resource-center/checklists/starting-up-checklist/) - A checklist of essential steps for starting a new business.
[Business Planner Tool](https://www.machiassavings.bank/business-resource-center/interactive-tools/business-planner/) - An interactive tool to help create a comprehensive business plan.
[Marketing on a Shoestring Checklist](https://www.machiassavings.bank/business-resource-center/checklists/marketing-on-a-shoestring/) - A checklist for low-cost marketing strategies.
[Retirement Alternatives](https://www.machiassavings.bank/business-resource-center/articles/retirement-alternatives/) - An article exploring different retirement options for business owners.
[Develop a Capital Improvement Plan](https://www.machiassavings.bank/business-resource-center/articles/develop-capital-improvement-plan/) - An article on how to develop a capital improvement plan.
[Steps for a Successful Year Ahead](https://www.machiassavings.bank/business-resource-center/articles/steps-to-take-for-a-successful-year-ahead/) - An article outlining steps for business success in the coming year.
[Cash Flow Forecast Template](https://www.machiassavings.bank/business-resource-center/templates/cash-flow-forecast/) - A template to help forecast your business's cash flow.
[Business Start-Up Calculator](https://www.machiassavings.bank/business-resource-center/calculators/business-start-up/) - A calculator to estimate the initial costs of starting a business.
[Marketing Planner Tool](https://www.machiassavings.bank/business-resource-center/interactive-tools/marketing-planner/) - An interactive tool to create and manage your marketing plan.
[One-Page Marketing Plan Strategy](https://www.machiassavings.bank/business-resource-center/one-page-plans/marketing-plan-strategy/) - A one-page template for outlining your marketing strategy.
[Start-Up Costs Template](https://www.machiassavings.bank/business-resource-center/templates/start-up-costs/) - A template to detail and track the costs of starting a business.
[Differentiate by Being a Thought Leader](https://www.machiassavings.bank/business-resource-center/articles/differentiate-by-being-a-thought-leader/) - An article on how to differentiate your business through thought leadership.
[Get an Agricultural Loan in Maine](https://www.machiassavings.bank/business-resource-center/articles/get-agricultural-loan-maine/) - An article on how to secure an agricultural loan in Maine.
[How to Start a 401k Business Plan](https://www.machiassavings.bank/business-resource-center/articles/how-to-start-401k-business-plan/) - An article on how to start a 401(k) plan for your business.
[Separate Business and Personal Finances](https://www.machiassavings.bank/business-resource-center/articles/separate-business-and-personal-finances/) - An article on the importance of separating your finances.
[Guide to Closing Your Business](https://www.machiassavings.bank/business-resource-center/articles/guide-to-closing-your-business/) - An article providing a guide on the process of closing a business.
[Steps to Selling Your Business](https://www.machiassavings.bank/business-resource-center/articles/steps-to-selling-your-business/) - An article outlining the key steps involved in selling a business.
[One-Page Digital Marketing Plan](https://www.machiassavings.bank/business-resource-center/one-page-plans/digital-marketing-plan/) - A one-page template for your digital marketing strategy.
[Identify New Markets](https://www.machiassavings.bank/business-resource-center/articles/identify-new-markets/) - An article on how to find and assess new markets for your business.
[Cyber Security Checklist](https://www.machiassavings.bank/business-resource-center/checklists/cyber-security/) - A checklist to help improve your business's cyber security.
[Selling Your Business Checklist](https://www.machiassavings.bank/business-resource-center/checklists/selling-your-business/) - A checklist for the process of selling your business.
[Business Plan Template](https://www.machiassavings.bank/business-resource-center/templates/business-plan/) - A comprehensive template to help you write a business plan.
[Finding the Right Successor](https://www.machiassavings.bank/business-resource-center/articles/finding-the-right-successor/) - An article on succession planning and finding the right person to take over.
[Cyber Security FAQs](https://www.machiassavings.bank/business-resource-center/articles/cyber-security-faqs/) - An article answering frequently asked questions about cyber security.
[Starting a Business Health Check](https://www.machiassavings.bank/business-resource-center/interactive-tools/starting-a-business-health-check/) - An interactive tool to assess the health of your startup.
[DIY Marketing Tactics](https://www.machiassavings.bank/business-resource-center/articles/diy-marketing-tactics/) - An article on do-it-yourself marketing tactics for small businesses.
[Driving Online Traffic](https://www.machiassavings.bank/business-resource-center/articles/driving-online-traffic/) - An article with strategies for increasing traffic to your website.
[Avoid Credit Card Fraud](https://www.machiassavings.bank/business-resource-center/articles/avoid-credit-card-fraud/) - An article on how businesses can prevent credit card fraud.
[Raising Business Capital](https://www.machiassavings.bank/business-resource-center/articles/raising-business-capital/) - An article on different methods for raising capital for your business.
[Business Fraud Solutions](https://www.machiassavings.bank/business-resource-center/articles/spring-cleaning-taking-a-fresh-look-at-your-business-fraud-solutions/) - An article on reviewing and updating your business fraud solutions.
[Growth Checklist](https://www.machiassavings.bank/business-resource-center/checklists/growth/) - A checklist to help plan and manage business growth.
[SWOT Analysis Template](https://www.machiassavings.bank/business-resource-center/templates/swot-analysis/) - A template for conducting a SWOT analysis.
[Smart Promotion Plan](https://www.machiassavings.bank/business-resource-center/articles/smart-promotion-plan/) - An article on creating an effective promotional plan.
[Making Your Dollar Go Further](https://www.machiassavings.bank/business-resource-center/articles/making-your-dollar-go-further/) - An article on effective cash management and cost control.
[End of Year Checklist](https://www.machiassavings.bank/business-resource-center/checklists/end-of-year/) - A checklist for year-end business tasks and planning.
[Marketing Plan Template](https://www.machiassavings.bank/business-resource-center/templates/marketing-plan/) - A comprehensive template for creating a detailed marketing plan.
[Bootstrapping](https://www.machiassavings.bank/business-resource-center/articles/bootstrapping/) - An article on how to fund your business yourself.
[Developing New Products & Services](https://www.machiassavings.bank/business-resource-center/articles/developing-new-products-services/) - An article on the process of developing new offerings.
[Social Media Strategy](https://www.machiassavings.bank/business-resource-center/articles/social-media-strategy/) - An article on how to build an effective social media strategy.
[Employee Costs Template](https://www.machiassavings.bank/business-resource-center/templates/employee-costs/) - A template to calculate the full cost of hiring an employee.
[Budgeting for Expansion](https://www.machiassavings.bank/business-resource-center/articles/budgeting-for-expansion/) - An article on how to financially plan for business expansion.
[Assessing New Market Viability](https://www.machiassavings.bank/business-resource-center/articles/assessing-new-market-viability/) - An article on how to determine if a new market is viable.
[Advertising That Works](https://www.machiassavings.bank/business-resource-center/articles/advertising-that-works/) - An article on creating advertising campaigns that deliver results.
[Promotional Plan Template](https://www.machiassavings.bank/business-resource-center/templates/promotional-plan/) - A template to help you plan your promotional activities.
[Small Business Funding](https://www.machiassavings.bank/business-resource-center/articles/small-business-funding/) - An article exploring various funding options for small businesses.
[Researching the Viability of Your New Idea](https://www.machiassavings.bank/business-resource-center/articles/researching-the-viability-of-your-new-idea/) - An article on how to research the viability of a new business idea.
[Improve Profit Margin](https://www.machiassavings.bank/business-resource-center/articles/improve-profit-margin/) - An article with strategies to increase your business's profit margin.
[Financial Health Check Tool](https://www.machiassavings.bank/business-resource-center/interactive-tools/financial-health-check/) - An interactive tool to assess the financial health of your business.
[Cash Flow Improvement Template](https://www.machiassavings.bank/business-resource-center/templates/cash-flow-improvement/) - A template to identify ways to improve your cash flow.
[Develop a Pricing Strategy](https://www.machiassavings.bank/business-resource-center/articles/develop-a-pricing-strategy/) - An article on how to create an effective pricing strategy.
[Cross-Selling to Increase Sales](https://www.machiassavings.bank/business-resource-center/articles/cross-selling-to-increase-sales/) - An article on using cross-selling techniques to boost revenue.
[Burn Rate Template](https://www.machiassavings.bank/business-resource-center/templates/burn-rate/) - A template to calculate your company's monthly burn rate.
[Product Pricing Template](https://www.machiassavings.bank/business-resource-center/templates/product-pricing/) - A template to help determine the optimal price for your products.
[Choosing a Business Model](https://www.machiassavings.bank/business-resource-center/articles/choosing-a-business-model/) - An article on how to select the right business model.
[Cost Optimization](https://www.machiassavings.bank/business-resource-center/articles/cost-optimization/) - An article on strategies for reducing business costs.
[Balance Sheet Template](https://www.machiassavings.bank/business-resource-center/templates/balance-sheet/) - A template for creating a business balance sheet.
[Competitor Analysis Benefits](https://www.machiassavings.bank/business-resource-center/articles/competitor-analysis-benefits/) - An article on the benefits of analyzing your competition.
[Collecting Debts Effectively](https://www.machiassavings.bank/business-resource-center/articles/collecting-debts-effectively/) - An article on best practices for collecting outstanding debts.
[Revenue Potential Template](https://www.machiassavings.bank/business-resource-center/templates/revenue-potential/) - A template to estimate the potential revenue for your business.
[Profit & Loss Template](https://www.machiassavings.bank/business-resource-center/templates/profit-loss/) - A template for creating a profit and loss statement.
[How to Pay Less Tax](https://www.machiassavings.bank/business-resource-center/articles/how-to-pay-less-tax/) - An article on strategies for legally reducing your business tax burden.
[Impact of Discounting Template](https://www.machiassavings.bank/business-resource-center/templates/impact-of-discounting/) - A template to analyze the financial impact of offering discounts.
[Identify Business Drivers](https://www.machiassavings.bank/business-resource-center/articles/identify-business-drivers/) - An article on how to identify the key drivers of your business's success.
[Making the Most of Your Growth Meeting with a Banker] (https://www.machiassavings.bank/business-resource-center/articles/from-plans-to-projects-making-the-most-of-your-growth-meeting-with-a-banker/)
[Make Cashless Payments Work For Your Non-Profit] (https://www.machiassavings.bank/business-resource-center/articles/make-cashless-payments-work-for-your-non-profit/)


## Resources
[Security Center](https://www.machiassavings.bank/resources/security-center/) - Information on avoiding scams and protecting your private information.
[Financial Tools](https://www.machiassavings.bank/resources/financial-tools/) - Online tools to track expenses, build budgets, and manage credit.
[Calculators](https://www.machiassavings.bank/resources/calculators/) - A collection of calculators for mortgages, savings, and loans.
[Educational Videos](https://www.machiassavings.bank/resources/educational-videos/) - Video tutorials on how to use online banking features and services.
[Financial Coaches](https://www.machiassavings.bank/resources/financial-coaches/) - Access to financial experts for personalized guidance and support.
[GreenPath Financial Wellness](https://www.machiassavings.bank/resources/greenpath-financial-wellness/) - A service providing financial counseling and debt management services.


## Additional Information
[About Us](https://www.machiassavings.bank/about-us/) - Learn about the bank's history, mission, and commitment to Maine.
[Locations](https://www.machiassavings.bank/locations/) - Find branch and ATM locations across the state of Maine and New Hampshire.
[Careers](https://www.machiassavings.bank/careers/) - Explore career opportunities and learn about the company culture.
[Community](https://www.machiassavings.bank/community/) - Information on the bank's community involvement and giving back initiatives.
[Contact Us](https://www.machiassavings.bank/contact-us/) - Find phone numbers, chat support, and contact information.