Sovereign Bank Coming To Massachusetts. Thirty years ago I opened a bank account at Harvard Trust Co. when I moved to the Boston area. When it conglomerated with other Massachusetts banks, I had a “Bay Bank Harvard Trust” account. Then they dropped the affiliates’ autonomy and it became a “Bay Bank” account. About two or three years ago, the Bank of Boston bought Bay Bank and my new cards and checks said “BankBoston.” Last month, after Fleet bought BankBoston, they gave me Fleet accounts and cards. And now it appears that, to avoid anti-trust implications, they’re forcing me to become a Sovereign Bank customer. All this without lifting a finger in thirty years.