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Current Events


Closed for Memorial Day

May 21, 2020

BankGloucester will be Closed on Monday, May 25th in celebration of Memorial Day. Please plan your banking accordingly. Remember - online banking is ALWAYS open!


Update on Operations and Services in Response to COVID-19

May 19, 2020


As of May 19th, all drive up locations will remain open during the following hours of operation: Monday through Friday 8 am to 4 pm and Saturday 8 am to 12 pm. All lobbies will remain closed to customers.

ATMs and Night Drop boxes are available 24/7 at all offices (Essex, Ipswich and Gloucester). 


As always, many of our products and services are available remotely or in a manner that minimizes person-to-person physical contact.  When possible, we encourage our customers to utilize the following:

  • Online and mobile banking is available to view transaction details, pay bills, transfer money internally or to other banks and make mobile check deposits.

  • Drive-up windows and drive-up ATMs at our Gloucester and Ipswich locations.

  • ApplePay, Samsung Pay, and GooglePay is available for making purchases using your smart phone.

  • Night bag drops at all of our locations for our business customers.

  • Online account opening and online applications: open a checking and/or savings account online in minutes and apply for a mortgage 24/7.

  • Telephone banking – you can reach customer service during our business hours by calling 978-283-8200, or use our 24 hour Telephone Banking system 1-800-955-9978 anytime to review balances and transaction history and transfer funds. 

    If you need further banking assistance, whether it’s for customer service, safe deposit box access or residential lending or commercial banking services; we have staff available in all departments of the bank ready and willing to help. Please contact 978-283-8200 to speak with a BankGloucester representative.

    We remain committed to you, our customer. We appreciate your business and are doing what we can to help during these uncertain times. We will continue to update you through email, social media and our website. 

     



PPP Update - FAQ

May 16, 2020

Please click here to load the Payment Protection Program FAQ's PDF



Rules of Paycheck Protection Program

Apr 20, 2020

The Rules of the Paycheck Protection Program:

The funds from the PPP can be used for the following purposes:

  • Payroll—salary, wage, vacation, parental, family, medical, or sick leave, health benefits
  • Mortgage interest—as long as the mortgage was signed before February 15, 2020
  • Rent—as long as the lease agreement was in effect before February 15, 2020
  • Utilities—as long as service began before February 15, 2020.

1. Eight weeks of coverage

·         Eligible expenses are those that are incurred over eight weeks, starting from the day the first payment was made by your lender. This is not necessarily the date on which you signed your loan agreement.

·         Depending on your payroll schedule, you may want to adjust the timing of your payroll date to accommodate as many payroll cycles as possible.

·         For example, if your PPP loan gets deposited in your bank account on April 15, you could only use the funds on expenses incurred during the eight weeks following April 15.

2. The 75/25 rule

At least 75% of your loan must be used for payroll costs. Payments to independent contractors cannot be included in the payroll costs.

3. Staffing requirements

You must maintain the number of employees on your payroll.

Here is the calculation you can use to determine if you’ve met this requirement:

First, determine the average number of full-time equivalent employees you had for:

  • The 8-week period following your initial loan disbursement, (A)
  • February 15, 2019 to June 30, 2019, (B1)
  • and January 1, 2020 to February 29, 2020. (B2)

Take A and divide that by B1. Do the same with B2. Take the largest number you obtain. If you’re a seasonal employer, you must divide by B1.

  • If you get a number equal to or larger than 1, you successfully maintained your headcount and meet this requirement.
  • If you get a number smaller than 1, you did not maintain your headcount and your forgivable expenses will be reduced proportionately.

4. Pay requirements

You must maintain at least 75% of total salary.

This requirement will be individually assessed for every employee that did not receive more than $100,000 in annualized pay in 2019.

If the employee’s pay over the 8 weeks is less than 75% of the pay they received during the most recent quarter in which they were employed, the eligible amount for forgiveness will be reduced by the difference between their current pay and 75% of the original pay.

5. Rehiring grace period

You can rehire any staff that were laid off or put on furlough and reinstate any pay that was decreased by more than 25% to meet the requirements for forgiveness. You have until June 30th to do so.

Forgiveness for self-employed individuals

You are entitled to use the PPP loan to replace lost compensation due to the impacts of COVID-19. However, you are not entitled to use the full amount to replace pay. Eight weeks’ worth of your 2019 net profit will be eligible for forgiveness.

If you have mortgage interest, rent, or utilities expenses, you must have claimed or be entitled to claim a deduction for those expenses on your 2019 Form 1040 Schedule C in order to claim them for forgiveness.

For example, if you worked in an office space in 2019 and did not have a home office, you could not have claimed a deduction on your home mortgage interest. Even if you are currently working at home now, you are not eligible to claim home mortgage interest payments for forgiveness.

After the eight weeks: applying for loan forgiveness

Applications for loan forgiveness will be processed by your lender. They’ll provide you with instructions on where to apply

After you submit your application for forgiveness, your lender is required by law to provide you with a response within 60 days.

Record-keeping and required documents for forgiveness

These are the required documents you will need to collect to provide with your PPP forgiveness application. Your lender may have additional requirements.

  • Documents verifying the number of full-time equivalent employees on payroll and their pay rates, for the periods used to verify you met the staffing and pay requirements:

o    Payroll reports from your payroll provider

o    Payroll tax filings (Form 941)

o    Income, payroll, and unemployment insurance filings from your state

o    Documents verifying any retirement and health insurance contributions

  • Documents verifying your eligible interest, rent, and utility payments (canceled checks, payment receipts, account statements)

If you’re a sole proprietor, you can have eight weeks of the loan forgiven as a replacement for lost profit. But you’ll need to provide documentation for the remaining two weeks’ worth of cash flow, proving you spent it on mortgage interest, rent, lease, and utility payments.

Good recordkeeping and bookkeeping will be critical for getting your loan forgiven—you’ll need to keep track of eligible expenses and their accompanying documentation over the eight weeks. Your lender will likely require these documents in digital format, so take the time to scan any paper documents and keep backups of your digital records.

What happens if I’m not approved for forgiveness?

Your lender may allow you to provide additional documentation so they can reevaluate your request.

Otherwise, your outstanding balance will continue to accrue interest at 1%, for the remainder of the 2-year period.

There is no prepayment penalty. You can pay off the outstanding balance at any time with no additional fees.

Please reach out to BankGloucester's Commercial Lending Team with any questions that you may have.

978-283-8200


SBA PPP Loans - Application & Updates

Apr 16, 2020

FUNDING FOR THE PAYCHECK PROTECTION PROGRAM HAS RUN OUT. WE WILL NO LONGER BE ACCEPTING NEW APPLICATIONS FOR THIS PROGRAM.

Additional details on the Paycheck Protection Program:

*It’s important to note, that funds are limited and will be given out at a first come first serve basis.

Downloadable forms & Information

  FORM: Paycheck Protection Program Application

  FORM: Checklist for Applicants

  FORM: Certification of Ownership

  Information: PPP--SBA (Details about the program)

  Calculator - Average Payroll Calculator for bigger businesses

 Who can apply for these loans?

  • This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by coronavirus/COVID-19.
  • Businesses in certain industries may have more than 500 employees if they meet the SBA’s size standards for those industries.
  • Small businesses in the hospitality and food industry with more than one location could also be eligible if their individual locations employ less than 500 workers.

Loan Details:

  • The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). The loan will be forgiven provided funds are used in accordance of SBA guidelines.
  • Loan payments will also be deferred for six months.
  • No collateral or personal guarantees are required.
  • Neither the government nor lenders will charge small businesses any fees.
  • Rate is 1.00%
  • Term is two years

Forgiveness:

  • Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels.  
  • Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.

Borrower must submit:

 PPP borrower application form 

  • Proof of 2019 Payroll costs for employees whose principal place of residence is the United States:
    • Payroll processor records
    • Payroll tax filings
    • Form 1099 – MISC
    • Income and Expenses for sole proprietorship
    • For borrowers that do not have any such documents, the borrower must provide other supporting documentation, such as bank records sufficient to demonstrate the qualifying payroll amount

Beneficial Ownership Form

 Maximum amount borrower can apply for:

 Under the PPP, the maximum loan amount is the lesser of $10 million or an amount that can be calculate using a payroll-based formula as explained below: 

  1. Aggregate payroll costs from the last twelve months for employees whose principal place of residence is the United States.
  2. Subtract any compensation paid to an employee in excess of an annual salary of $100,000 and/or any amounts paid to an independent contractor or sole proprietor in excess of $100,000 per year.
  1. Calculate average monthly payroll costs (divide the annual cost by 12)
  2. Multiply the average monthly payroll cost by 2.5% - this will be the maximum amount to apply for

 If you have any questions or would like to submit your application, please contact one of our commercial loan officers.

 Mark Grenier: mgrenier@bankgloucester.com
 Kim Spaner: kspaner@bankgloucester.com
 Lisa Shanko: lshanko@bankgloucester.com
 Jessica Margiotta: jmargiotta@bankgloucester.com

 


Small Business Administration Loan Programs

Mar 31, 2020

Small Business Administration Loan Programs

Paycheck Protection Program: - Coming Soon (Waiting for SBA Official Guidelines)!

  • Must apply with SBA approved Lender (BankGloucester is an SBA approved lender)
  • Eligibility
    • Business or Non-Profit Organization 501c3with less than 500 employees
    • Sole Proprietors, Independent Contractors, Self-Employed Persons
    • Businesses must have been in operation on February 15, 2020
  • Information Needed to Apply – Still being determined
    • Initial indications are documentation detailing number of employees and payroll expenses in the previous year.
    • A Good Faith Certification that states:
      • The uncertainty of current economic conditions make the loan request necessary to support ongoing operations
      • The borrower will use the loan proceeds to retain workers and maintain payroll and/or make mortgage, lease, and utility payments
      • The borrower does not have an application pending for a loan for the same purpose and amounts that are being applied for now
      • Independent contractors, sole proprietors, or self employed individuals, will be asked for certain documents such as payroll tax filings, Forms 1099-MISC and income and expenses from the business.
  • Forgiveness of indebtedness
    • Some or all of the loan may be forgiven depending on what it was used for and if some or all of the business’ employees were retained.
  • Interest rates and Terms (Differ on a case by case basis)
    • Term 2 years 
    • Interest rate: 0.50% fixed rate
    • No collateral or personal guarantees are required.
    • Loan payment will be deferred for at least 6 months 

SBA Economic Injury Disaster Loans:

  • Must apply with SBA directly – https://disasterloan.sba.gov/e...
  • Loan amounts up to $2 million per small business
  • Fixed Rate 3.75%
  • Terms up to 30 years
  • Up to $25,000 unsecured
  • Businesses must meet the SBA size standard
  • Principal and Interest deferments
  • Loans must be used to pay for expenses that could have been met had the disaster not occurred, including payroll and other operating expenses

 

Emergency Economic Injury Grants:

  • Must have applied for an Economic Injury Disaster Loan
  • Advances up to $10,000
  • Must have 500 or fewer employees
  • Advances do not need to be repaid
  • May be used to keep employees on payroll, to pay business obligations, including debts, rent and mortgage payments

SBA Express Bridge Loan:

  • Must have a current relationship with an SBA Express Lender
  • Must apply with current SBA Express Lender
  • Loans up to $25,000
  • Will be repaid in full or in part by proceed from the Economic Injury Disaster loan

SBA Debt Relief Program:

  • SBA will cover all loan payments on non-disaster loans, including principal, interest, and fees, for six months
  • SBA loans that qualify are: 7 (a) loans, 504 loans and microloans
  • Businesses must meet the SBA size standard

For small business guidance and additional information on loan resources and programs please visit www.sba.gov

If you have any questions or need guidance on which option is best for you, please reach out to our Commercial Lending Team at 978-283-8200. BankGloucester is an SBA approved lender.

*Loans are subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. 




Temporary Modified Hours

Mar 24, 2020

IMPORTANT INFORMATION – TEMPORARILY MODIFYING HOURS OF OPERATION, RELATED TO COVID-19

With the recent emergency order issued by Governor Charlie Baker and in order to safeguard the health and safety of our customers and employees; BankGloucester has decided to temporarily change our hours of operation. 

Effective Thursday, March 26th, all drive up locations will remain open during the following hours of operation: Monday through Friday 8 am to 4 pm and Saturday 8 am to 12 pm. All lobbies will remain closed to customers.

Drive-up windows will remain open and available at both our Gloucester and Ipswich locations, during business hours.

ATMs and Night Drop boxes are available 24/7 at all offices (Essex, Ipswich and Gloucester). 

If you need further banking assistance, whether it’s for customer service, safe deposit box access or residential lending or commercial banking services; we have staff available in all departments of the bank ready and willing to help. Please contact 978-283-8200 to speak with a BankGloucester representative.

In addition we continue to have several convenient options to bank with us without entering one of our branches:

  • Online and mobile banking is available to view transaction details, pay bills, transfer money internally or to other banks and make mobile check deposits.

  • Drive-up windows and drive-up ATMs at our Gloucester and Ipswich locations.

  • ApplePay, Samsung Pay, and GooglePay is available for making purchases using your smart phone.

  • Night bag drops at all of our locations for our business customers.

  • Online account opening and online applications: open a checking and/or savings account online in minutes and apply for a mortgage 24/7.

  • Telephone banking – you can reach customer service during our business hours by calling 978-283-8200, or use our 24 hour Telephone Banking system 1-800-955-9978 anytime to review balances and transaction history and transfer funds.

    We also want to reassure our customers that there is no safer place to have your money than here at BankGloucester. We provide both FDIC and DIF insurance on your deposits and all of our customer deposits at BankGloucester are insured in full.

    Please contact us for assistance with any of these options.

    We remain committed to you, our customer. We appreciate your business and are doing what we can to help during these uncertain times. We will continue to update you through email, social media and our website. 

     

    Sincerely,

    Patrick B. Thorpe

    President & CEO


Business Resources - COVID-19

Mar 23, 2020

COVID-19 Update For Business Owners
News & Resources for the Cape Ann Business & Non-Profit Community

·    Families First Corona Virus Response Act: On Wednesday the President signed into law H.R. 6201, the Families First Coronavirus Response Act. This bill provides, among other things, provisions to address Paid Sick Leave, Paid Family and Medical Leave, and Unemployment Insurance for workers displaced by the ongoing outbreak. Furthermore, it includes provisions to provide diagnostic testing for coronavirus, and bolsters Medicaid and nutrition programs for at risk populations. Click here to see the U.S. Chamber’s summary. 

·    Congress’s focus has now turned to the Phase Three stimulus package. Click here to see the U.S. Chamber’s letter to Congress and the President with the business community’s recommendations. 

·    The U.S. Small Business Administration’s Economic Injury Disaster Loan (EIDL) program is now accepting applications from Massachusetts businesses. The Executive Office of House and Economic Development (EOHCD) encourages all Massachusetts companies to apply:  https://disasterloan.sba.gov/e...

·    If small businesses have applied to Mass Growth Capital Corporation’s Small Business Recovery Loan fund, EOHCD encourages them to apply for additional EIDL support.

·    Due to the availability of EIDL funds, applications to the Small Business Recovery Loan Fund at MGCC are no longer being accepted as of 12:30pm on March 19, 2020.

·    The latest information and guidance regarding COVID-19 is always available at mass.gov/COVID19.

·    Emergency unemployment legislation has been enacted to assist individuals who cannot work due to the impact of COVID-19. The emergency law will allow new claims to be paid more quickly by waiving the one week waiting period for unemployment benefits. 

·    SBA - Massachusetts - https://www.sba.gov/offices/di...




COVID-19 Update

Mar 17, 2020

Last updated March 17, 2020 

IMPORTANT INFORMATION - LOBBY CLOSINGS RELATED TO COVID-19

BankGloucester has been carefully monitoring the developments associated with the Coronavirus as they unfold and following the advice of federal, state and local public health officials.  In these uncertain times, we are fully committed to the health and safety of our customers, employees and community, and we will continue to meet our customers’ needs as we navigate through this pandemic.

In order to safeguard the health and safety of our customers and employees we have decided to close the lobbies of all our offices.

Effective Wednesday, March 18, 2020, and until further notice, all BankGloucester branch lobbies will be closed to the general public.  Drive-up windows will remain open and available at both our Gloucester and Ipswich locations, during normal business hours. Our Essex branch lobby will be closed but the ATM will be available for all customers and the night deposit drop will be available for our commercial customers to use. 

The ATMs at all of our locations will remain available for customers to make deposits and withdrawals.

If you need further banking assistance, whether it’s for customer service, safe deposit box access or residential lending or commercial banking services; we have staff available in all departments of the bank ready and willing to help. Please contact 978-283-8200 to speak with a BankGloucester representative.

In addition we continue to have several convenient options to bank with us without entering one of our branches:

  • Online and mobile banking is available to view transaction details, pay bills, transfer money internally or to other banks and make mobile check deposits.
  • Drive-up windows and drive-up ATMs at our Gloucester and Ipswich locations.
  • ApplePay, Samsung Pay, and GooglePay is available for making purchases using your smart phone.
  • Night bag drops at all of our locations for our business customers.
  • Online account opening and online applications: open a checking and/or savings account online in minutes and apply for a mortgage 24/7.
  • Telephone banking – you can reach customer service during our business hours by calling 978-283-8200, or use our 24 hour Telephone Banking system 1-800-955-9978 anytime to review balances and transaction history and transfer funds.

Please contact us for assistance with any of these options.

We remain committed to you, our customer. We appreciate your business and are doing what we can to help during these uncertain times. 

We will continue to update you through email, social media and our website. 

Sincerely,

Patrick B. Thorpe
President & CEO



BankGloucester opens third branch in Ipswich

Mar 3, 2020

Come in an see all BankGloucester has to offer at our brand new, full service branch at 143 High Street in Ipswich. 
Meet our staff and see why BankGloucester is such an awesome place for all of your financial needs!

   -Commercial and Residential Lending

   -Checking Accounts

   -Savings Accounts 

And so much more!

 


BE AWARE OF SCAMS!

Dec 16, 2019

A few of our customers have brought to our attention that they have received a text message stating their debit card is locked. The text then provides a number to call. When the phone number is called, it is a recording stating that your debit card is locked and they will unlock it if you press 1. When 1 is pressed it then states to type in your debit card number. THIS IS A SCAM!

As the holidays sneak up on us, scams do to! Be cautious when receiving texts and emails regarding your banking. Please keep in mind that if the financial institution is not confirmed in the texts or email, that is a red flag! Another red flag is being asked for your full card number, account number, or other personal information such as your social security number. A bank will never ask you to disclose full numbers via text, telephone or email- they will only ask you to verify the last 4 digits for security purposes. 

PLEASE, be extra cautious and if you are unsure, NEVER hesitate to reach out to us directly. If you have received this text, you should delete it. If you have acted on this text, please contact customer service immediately at 978-283-8200.

Below is a link with more tips on how to detect debit card scams: https://www.aba.com/advocacy/c...



 


Fraud Alert Text Messaging

Dec 11, 2019

If you received a text message from BankGloucester, IT IS LEGITIMATE!

As a benefit of our new debit card services, we can now provide you with fraud detection services through text alerts. Keeping your card safe is as easy as sending a text. This convenient service allows you to instantly keep tabs on suspicious activity. You will simply be able to reply to a text message that indicates potential fraud on your debit card and acknowledge whether it is legitimate or not. If the transaction is fraudulent and you reply that it is, you will then receive another text message with a phone number to call for further assistance. If not, you will mark the transaction as legitimate and you can get on with your day - as simple as that!

This is an optional service. If you would like to opt out you can reply "stop" to the text you may have received.

If you have any questions or need to verify or update your mobile number, please call customer service at 978-283-8200.


Project Uplift Toy Drive 2019

Dec 5, 2019
Stop by either our Gloucester or Essex location to make a donation for a great cause!



Join us for the Hospice Tree of Lights Ceremony

Dec 3, 2019

Please join us for the Cape Ann
Grand Illumination of the 2019 Hospice Tree of Lights

Monday, December 9th
5:00 pm outside BankGloucester

Reception to following in our lobby

Performance by the Holy Family Parish Children's Choir

To sponsor a light go to

www.caredimensions.org



Customer Appreciation Day

Dec 3, 2019

Please join us Saturday, December 14th for our Customer Appreciation Day 

Refreshments will be available for customers all day.
At our Gloucester location (160 Main Street) Santa will be visiting from 11 am - 12:30 pm and local photographer, Desi Smith will be taking photos. Bring in the kids and have a professional photo taken. We will send you a digital file to use as you wish.  Please arrive by 12:00 to ensure we have time to take your photo.


A Gift of Education 529 College Savings Plan

Nov 21, 2019

This holiday season you might consider a 529 College Savings Plan as a gift for those dear to you.  If you would like to open a 529 Plan, the staff at BankGloucester Financial Services can help.



Amy Kerr's "I Am More" art on display NOW

Nov 13, 2019

BankGloucester is hosting eight of her original I Am More portraits in their gallery space for the months of November and December. 

Don't miss seeing this important work as this will be the last I Am More event for Cape Ann.

Learn more about Amy Kerr


COLLECTING FOOD NOW...

Nov 4, 2019

Please help us with our Annual Thanksgiving Food Drive by dropping off items at BankGloucester in Gloucester or Essex today.


Winner's Announced in Banking For The Community!

Oct 15, 2019

21,000 Awarded to Local Organizations by BankGloucester in our Annual Banking for the Community program.

We would like to thank the members of the community whose votes determined how the funds were distributed. With over 9,000 votes cast by the public, the twelfth annual “Banking for the Community” program was a tremendous success. A total of 87 organizations received votes this year. The program awarded 19 organizations (two of which were write-ins) a combined total of $21,000.


Here is the list of Winners in our 2019 Banking For The Community Program...

  1st Place: Cape Ann Animal Aid $5,000 Plus Bonus $1,000
  2nd Place : Open Door $3,000
  3rd Place: Backyard Growers $3,000
  4th: Rose Baker Senior Center  $1,000
  5th: Schooner Adventure $1,000
  6th: Senior Care $500
  7th: Gloucester Education Foundation $500
  8th: Wellspring $500
  9th: Action, Inc. $500
10th: Essex Ship Building Museum $500
11th: Cape Ann YMCA $500
12th: Art Haven $500
13th: Care Dimensions $500
14th: Education Foundation Rockport $500
15th: Gloucester Stage Company $500
16th: Gloucester Writers Center $500  (WRITE IN)
17th: Manchester Council on Aging $500 
18th: Seaside Sustainability $500 (WRITE IN)
19th: Essex Council on Aging  $500



Phishing - Don't take the bait!

Mar 8, 2019

Phishing is when you get emails, texts or calls that seem to be from companies or people you know. But they're actually from scammers. They want you to click on the link or give personal information (like password) so that they can steal your money or identity, and maybe get access to your computer.

The Bait

Scammers use familiar company names or pretend to be someone you know. They ask you to click on a link or give passwords or  bank account numbers. If you click on the link, they can install programs that lock you out of your computer and can steal your personal information.

They pressure you to act now - or something bad will happen.

Protect Yourself - click here for detailed information



Stick to Your Financial Plan

Jan 23, 2019

Having a long-term financial plan gives your logic a leg up over your emotions during times of market volatility

When stock markets are highly volatile, the roller coaster ride can test even the most stoic of investors. But those with a professionally prepared, long-term financial plan may fare better than most do-it-yourself investors. Click the link below to read the article...

Click here to visit the News in the Investments section of our website to read the article.


5 TIPS for Keeping Financial Resolutions

Jan 1, 2019

With the New Year upon us, take time to make a list of your financial resolutions. Financial resolutions can be especially difficult to stick with because, like eating and exercising, our spending, saving and investing habits tend to be tied to our emotions more than our logic. 

To continue to the rest of this article and get tips to help you keep your financial goals in the upcoming year, please click below.

Click here to visit the News in the Investments section of our website to read the article.


Beware of CHECK FRAUD

Sep 12, 2018

Click the link to our security page below to learn more...

www.bankgloucester.com/security_tips


Winner's Announced in Banking For The Community!

Jun 15, 2018

On Wednesday, June 13, 2018 at a reception held at the lovely Beauport Hotel in Gloucester the organizations with the most votes in the 2018 Banking For The Community Program were announced and presented with their checks. 

Listed below are all of the organizations in order by the number of votes received. 

Cape Ann Animal Aid
Back Yard Growers
The Open Door
Rose Baker Senior Center
Gloucester Education Foundation
Grace Center
Cape Ann YMCA
Wellspring House
Art Haven 
Ocean Alliance
Care Dimensions
Senior Care
Action Inc.
North Shore Health Project
Cape Ann Museum
Essex Senior Center
Friends of the Manchester Public Library
Education Foundation of Rockport
Rockport New Years Eve


Now Offering Special VA Loans

Mar 26, 2018