Coronavirus Updates

Bill Pay Tips

1. Review your monthly payments: Take the time to go through all your monthly bills and check to see if any are set up for automatic payments.

  • Through Avidia Bank: This could be from Avidia Bank’s Bill Pay system-which you can edit by signing into your online banking, going to your Bill Pay, and editing the individual payee details. (This can be done on your computer using online banking or your phone through the Avidia Mobile App.)
  • Third Party Payments:  If your automatic payments are set up directly through the company (like your credit card, car payment, utility bill etc.), log into your account with that company and edit or delete your automatic payments.

2. Reschedule Payments: If you delete your automatic payments you will still want to log into your Bill Pay or the third party provider directly to schedule your payments to ensure you keep your accounts up to date.

3. Be aware of your due dates for your payments: Some automatic payments process the night before depending upon how they are processed (Some payments through the Avidia Bill Pay system may still send a check for you), so waiting until the day the payment processes may be too late to edit or stop the payment.

4. Set up payment reminder and payment posted alerts, if possible: Many providers, including Avidia Bank, have email and/or text alerts that you can set up for payment reminders and when payments are posted. These alerts are a good tool to help keep track of your payments and to make sure your payments post timely.

Branch Information

Currently all Avidia Bank locations will be operating from 8:30am – 4:00pm Monday – Friday and regularly scheduled hours on Saturday through the drive-up only. Some of our locations have lobby hours on certain days of the week. Please visit contact us for details. To access your safe deposit box, make additional transactions or account arrangements please call your local branch directly for assistance. You may also visit the drive-up and let a banker know you’d like to come in and access your box. 

PPP and PPP Loan Forgiveness

For information regarding the loan forgiveness process for the Paycheck Protection Program, please visit the PPP loan forgiveness page

Avidia Bank is accepting additional applications for the Paycheck Protection Program (PPP). If you need information about the PPP loan, please click here.

Reopening Plan

As we start to look forward to what’s next, we would like to share with you our plans for reopening. Please visit our Reopening Plan here for details and answers to your most frequently asked questions.

Stimulus Checks
  • When will I receive my check?

The IRS announced over the weekend that it started its first round of deposits on Saturday, and it will continue making deposits as quickly as possible.

If you've filed your 2019 (or 2018) tax return and have your direct deposit information already on file for your tax refunds, you'll be among the first to receive your check when it's deposited straight to your bank account.

If you did not file your taxes in 2019 or 2018 – you can use this form here to file for our Economic Impact Check.

If you don't use direct deposit and instead receive paper checks for your refunds the IRS estimates that it will begin mailing the first round of paper checks the week of May 4. You can check on your status here.

  • I need more information about the Economic Impact Checks.

For more information visit:

  • What happens if I no longer have the account where the IRS is trying to deposit my economic impact payment?

If you no longer have the account or haven't updated the account information on the IRS site, Avidia Bank will put your economic impact payment into another account you have with us. If you have no other accounts with Avidia Bank, we have to send the economic impact payment back to the IRS.  You can use the IRS portal here to get your payment if you did not use direct deposit or the bank accounts you use have changed:


Contact us

Currently all Avidia Bank locations will be operating from 8:30am – 4:00pm Monday – Friday and regularly scheduled hours on Saturday through the drive-up only until further notice.

Call a branch directly:
Hudson – Main Office - 978-562-2222
Hudson Financial Center - 774-760-1160
Hudson Washington Street - 978-562-9892
Westborough - 508-366-4111
Framingham – 774-760-1260
Clinton – 978-365-4400
Shrewsbury – 508-845-6244
Leominster – 978-466-8560
Northborough – 774-760-1142
Marlborough – 508-303-0330

If you are a loan customer affected by the recent COVID-19 events and need assistance, please call your loan officer directly or call (800) 397 2225 for business loan and call (800 508 2265 for residential and personal loans.

If it’s not an urgent matter, contact us here and we’ll follow up as soon as we can.
Have a question about Avidia Health or your Avidia Health Savings Account (HSA) – contact us here.

Self-Service Banking


Online and Mobile Banking services are available 24 hours a day, 7 days a week, allowing both consumers and businesses to perform many banking transactions remotely, including deposit checks, transfer funds between accounts at Avidia Bank and/or another financial institutions, check balance, review account activity, pay bills, send money to others using PeoplePay and more.

Use this webform here to email us. As a reminder, please do not include sensitive account or personal information in the webform or email.

Digital applications are available for opening new deposit accounts or applying for a mortgage, World Elite credit card, Classic/Gold/Platinum credit card or a personal loan.

You can pay your credit card bill online using our EZ Card Portal (this is only for those who do not have Avidia Online Banking, if you have Avidia Online Banking please use that portal to pay your bill.)

Make your loan payment online through Direct Biller.

Learn more about our Contactless Cards here and about Apple Pay/Android/Samsung Pay here.  By using these applications, you can easily make purchases without ever having to touch a pin pad.


For more security details please visit our Security Center.


For more information regarding FDIC and DIF please visit our Frequently Asked Questions section down below, or click here.

Small Business Resources

If you are a loan customer affected by the recent COVID-19 events and need assistance, please call your loan officer directly or call (800) 397 2225. SBA Express Bridge Loans are now available in response to COVID-19. If you are interested in applying for a SBA Express Bridge Loan, please contact us at

The Paycheck Protection Program (PPP) is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. To learn more about this program, visit SBA websiteThe last day to submit a PPP loan application with Avidia Bank was August 7th, 2020. 

SBA has a disaster assistance program in response to the Coronavirus (Please Note: The Program below is not sponsored by Avidia Bank) 

  • The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Upon a request received from a state’s or territory’s Governor, SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration.

  • Any such Economic Injury Disaster Loan assistance declaration issued by the SBA makes loans available to small businesses and private, non-profit organizations in designated areas of a state or territory to help alleviate economic injury caused by the Coronavirus (COVID-19).

  • SBA’s Office of Disaster Assistance will coordinate with the state’s or territory’s Governor to submit the request for Economic Injury Disaster Loan assistance.

  • Once a declaration is made for designated areas within a state, the information on the application process for Economic Injury Disaster Loan assistance will be made available to all affected communities as well as updated SBA's website:

  • SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance per small business and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

  • These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for non-profits is 2.75%.

  • SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

  • SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.

  • For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339), e-mail or visit for more information.

            Additional resources for small businesses can be found here

Avidia Advice

For more information please visit Avidia Advice.


Skip-A-Payment option on Consumer and Business Credit Cards
Avidia Bank is offering Consumer and Business Credit Card holders the option to SKIP PAYMENTS that would normally be due with statements closing from April 1, 2020 through July 31st, 2020. This means that credit card holders with payments due in the months of May, June, July and August may opt to NOT make the minimum payments that would normally be due during these months. However, interest will continue to be charged on outstanding credit card balances during these months. Important information that you should read about the Skip-A-Payment option is available here.

Consumer & Residential Loan Relief

We're here for you. If you're an Avidia Bank Customer and you've been affected by COVID-19, learn more about our residential and consumer loan relief program here.

Your Money is Safe – at Avidia
Important Answers to your Questions about Deposit Protection Amid COVID-19

At Avidia, we understand the COVID-19 situation and the disruptions to your daily life may be leaving you with many questions and uncertainties, not the least of which involve your money. Recently, for example, we received calls from customers concerned about the safety of their deposits. To help you with any concerns you may be having regarding deposit protection, we wanted to share the following answers to some common questions. 

Be assured, the deposits you have with Avidia are fully protected with FDIC/DIF insurance. In fact, this past week, the Federal Deposit Insurance Corporation (FDIC), the independent agency that insures bank deposits, issued a statement reminding Americans that FDIC-insured banks remain “the safest place to keep their money.”

With FDIC insurance, your accounts are protected for up to $250,000 for each depositor and ownership category (joint account etc.). Amounts you have over that limit are protected by DIF insurance, which brings us to the next important question.

Avidia deposits that exceed the FDIC limits are covered by the Depositors Insurance Fund (DIF). The DIF is a private, industry-sponsored insurance fund that provides full insurance for your deposits (and accumulated interest) above FDIC limits at Massachusetts-chartered savings banks. 

The DIF has been insuring deposits since 1932, and since that time no depositor has ever lost a penny in a bank insured by both the FDIC and DIF.

Yes, with FDIC/DIF insurance all of your deposits, including your savings accounts, checking accounts, certificates of deposit (CDs), money market deposit, and IRA accounts are fully protected.  

Yes. For health and safety reasons, many banks, including Avidia, have had to temporarily limit their branch operations. Though you may not be able to access your money in the same way as before (by walking into a branch), you will continue to receive the same deposit protection. 

Plus, as an Avidia customer, you’ll always have access to your funds when you need them. In addition to drive-up and ATM services, we offer the convenience of managing your money with Internet Banking and Mobile Banking. Our Mobile Banking app, even allows you to deposit checks with your smartphone.

Be assured that the Federal Reserve System has sufficient resources to be able to handle the currency needs of bank depositors.

Again, FDIC/DIF insurance protects all types and classes of deposit accounts, including savings accounts, checking accounts, certificates of deposit (CDs), money market deposit accounts, and IRAs. It does not cover mutual funds, stocks, bonds, annuities, or investments that are not deposit accounts.

The FDIC has a team of experts available to answer your questions. Simply call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak with a Deposit Insurance Subject Matter Expert. You can also visit the FDIC’s website to learn more.  One tool available on the site is the Electronic Deposit Insurance Estimator (EDIE), which allows you to determine the protection you have.

We’re here for you today – and tomorrow.  Honest to Goodness. 

As an Avidia customer, you’ll never have to worry about our commitment to protecting you and your money. For 150 years, we’ve been right here to help local people and businesses do their everyday banking and reach their financial goals. You can continue to count on us to serve you when you need us. For more information on your insurance coverage or to get assistance, please call us at (800) 508-2265, 24 hours a day, 7 days a week or email us.

For more information regarding Frequently Asked Questions visit the FDIC website here.