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Member FDIC FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Checking

  • Simple

    An account that allows you to do your day to day banking with no strings attached.

    • $10 minimum account opening deposit

    • No monthly maintenance service charge

    Apply Now See Full Terms & Disclosures

    Not sure if Simple is right for you? We’ll help you find what is!

Checking Account Benefits

Here's what is offered with your CSB checking account.
  • Credit.

    Debit Mastercard®

    Combine the convenience of a credit card while only using the money that’s available in your checking account.
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  • Online account.

    Online & Mobile Banking

    It’s easy to set up and use Online and Mobile Banking. Plus, you get the added convenience of being able to bank anytime, anywhere, with the ease of knowing that your transactions are secure.
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  • Hand with pen.

    Checks

    Some customers may still prefer to write checks. This convenient way to make a payment provides easy record keeping and may be safer than cash.
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DIRECT DEPOSIT

Direct Deposit is the safe, convenient way to deposit recurring payments into your account electronically. Once you set up this service, your paychecks, Social Security income, tax refunds, or dividend income will be deposited automatically.

BENEFITS:
  • Split your paycheck into multiple accounts for better control of funds
  • Electronic delivery makes your funds available immediately
  • Reduce the risk of identity theft by eliminating lost or stolen checks

Make sure to have your checking account and routing number handy. Our routing number is 211371120 and both your account number and routing number can be found at the bottom of your checks.

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OVERDRAFT PROTECTION

Sometimes the unexpected comes up. Learn more about the ways you can help to protect yourself against overdrafts.

Learn More

Ready to get started?
Open a Checking Account Today!

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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.

Performance
1Monthly maintenance service charge of $10 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.
2Please note when traveling abroad you must submit all ATM receipts for refunds.
3Subject 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.

Performance Plus
4Monthly maintenance service charge of $20 waived if average monthly combined deposit balances, and consumer loan balances, excluding mortgage balances, are $10,000 or greater.
5Please note when traveling abroad you must submit all ATM receipts for refunds.
6Subject 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.
7The Annual Percentage Yield (APY) is accurate as of  3/1/2025. This is a variable rate account and rates may change after account is opened. Fees may reduce earnings.

8CSB One qualifications: A CSB One Checking Account must be opened with a minimum of $10 and a Connect InvestSM Investment Account must be opened and funded with a minimum of $2,000 within 60 days of opening a CSB One Checking Account. 

CSB One Checking Account: 1The Annual Percentage Yield (APY) is accurate as of  3/1/2025. The CSB One Checking Account is a tiered variable rate account. Rates may change after account is opened. When statement cycle qualification conditions are met: Tier 1 - Daily balances of $5,000 or less, the interest rate will be 2.96% with an APY of 3.00%. Tier 2 - Interest will not be paid on that portion of your daily balance that is greater than $5,000. The range for this tier is 3.00% - 0.01%, depending on the balance in the account. One account per household.

Connect InvestSM investment products and services are offered independently through SigFig Wealth Management, LLC, an SEC registered investment advisor. Investment accounts are custodied at brokerages that are members of FINRA/SIPC. SigFig and Cambridge Savings Bank are not affiliated. Products and services made available through SigFig are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of the principal amount invested.

9CSB One is a hybrid product. CSB offers other products not connected to this offer.

10Please note when traveling abroad you must submit all ATM receipts for refunds.

11Subject to credit approval. The $25 annual fee is waived as long as the CSB One relationship exists. The Annual Percentage Rate on Overdraft Lines of Credit is 18.00% as of  3/1/2025.

12Eligible for bonus rate tier on High-Yield Money Market Account on balances of $250,000 or greater.