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For more details on our personal checking accounts, please refer to our disclosures.

You must live or work in Massachusetts.

*Not all of our checking accounts offer ATM surcharge refunds. Please review the Truth in Savings Disclosure section of the Understanding your Deposit Account Handbook for ATM surcharge refund details.

Consumer Checking Offer:

¹ Receive a $300 credit to your account when you open a new Personal Checking Account with a $10 minimum opening deposit between 3/1/2025 and 6/30/2025 and complete the following two requirements: (1) Receive cumulative monthly direct deposits totaling $1,000 or more within each of the first three full calendar months following the date the new account is open and funded. For example, a qualifying account type opened and funded during the month of March must complete the requirements in the months of April, May, and June to qualify for the credit. Qualifying direct deposits are electronic deposits of your paycheck, pension, or government benefits from your employer or the government. Person-to-person and bank transfers between your Cambridge Savings Bank accounts or accounts you have at other financial institutions do not qualify. (2) You must not currently have a Cambridge Savings Bank Personal Checking Account or have had one in the last 12 months. The new account funding must be completed by 6/30/2025. A credit will be made to your checking account within 30 days of completing requirements as long as qualification conditions are met, and the account remains open in good standing. The Performance Plus Checking Account has a 0.10% Annual Percentage Yield (APY). APY is accurate as of 3/1/2025. Rate is variable and may change after account opening and fees may reduce earnings. Minimum balance to obtain the APY is $10. No minimum balance is required to receive the credit. The value of the credit will be reported to the IRS as interest. Limit one account credit per household. Offer cannot be combined with any other offers. Offer is subject to change and can be withdrawn at any time. All other rules and regulations for checking accounts apply. Please refer to CSB Understanding Your Deposit Account for Personal Accounts Handbook, Personal Account Fee Schedule, and Personal Account Rate Sheet for account details.

Performance Plus

²Monthly maintenance service charge of $20 waived if average monthly combined deposit balances, and consumer loan balances, excluding mortgage balances, are $10,000 or greater.

³Please note when traveling abroad you must submit all ATM receipts for refunds.

⁴Subject to credit approval. Annual fee waiver on Home Equity and Overdraft Lines of Credit. The Annual Percentage Rate on Overdraft Lines of Credit is 18% as of 3/1/2025.

⁵The Annual Percentage Yield (APY) is accurate as of 3/1/2025. This is a variable rate account and rates may change after the account is opened. Fees may reduce earnings.

⁶Eligible for bonus rate tier on High-Yield Money Market Account on balances of $250,000 or greater.

Performance 

⁷Monthly maintenance service charge of $10 is waived if the average monthly balance in your checking account is $1,000 or greater, or if your average monthly combined deposit balances in checking, savings, money market, CD and IRA balances are $2,500 or greater.

⁸Please note when traveling abroad you must submit all ATM receipts for refunds.

⁹Subject to credit approval. Overdraft Line of Credit Annual Fee $15 vs. $25. The Annual Percentage Rate on Overdraft Lines of Credit is 18% as of 3/1/2025.