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Our checking account options couldn’t be simpler. You don’t have to jump through hoops to waive your monthly fee. Banking online or on the go is easy, and so is the technology you need to use your account quickly and conveniently. See for yourself. Compare our checking options to find the one that best fits you. 


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

The finer points:

  • $10 minimum account opening deposit
  • No monthly maintenance fee

Apply Now


If you’re looking for an account with more perks, Performance Checking is the checking account for you.

The finer points:

  • $25 minimum account opening deposit
  • No monthly maintenance fee (when you meet balance requirements)1
  • Up to $12 in monthly ATM surcharge refunds
  • First order of basic checks free
  • Discounts on loan products2

Apply Now

1Monthly fee of $10 waived if the average monthly balance in your checking account is $1,000 or greater, or if your combined checking, savings, money market, CD and IRA balances are $2,500 or greater.
2Overdraft Line of Credit Annual Fee $15 vs. $25 and $500 closing cost credit on mortgages that are not a no point, no closing cost loan. The Annual Percentage Rate on Overdraft Lines of Credit is 18% as of June 14, 2018.

Performance Plus

This interest-earning account gives back to you with our best features and benefits to reward you for your relationship with us.

The finer points:

  • $50 minimum account opening deposit
  • No monthly maintenance fee (when you meet balance requirements)1
  • Unlimited ATM surcharge refunds
  • Unlimited basic style checks
  • Free money orders/treasurer’s checks
  • Discounts on loan products2
  • Bonus tier on Performance Money Market account
  • $10 minimum daily balance to earn APY
  • 0.05% Interest Rate and Annual Percentage Yield3

Apply Now

1Monthly fee of $20 waived if combined checking, savings, money market, CD, IRA and consumer loan balances, excluding mortgage balances, are $10,000 or greater.

2Annual fee waiver on Home Equity and Overdraft Lines of Credit, and $500.00 closing cost credit on mortgages that are not a no point, no closing cost loan. The Annual Percentage Rate on Overdraft Lines of Credit is 18% as of June 14, 2018.

3The Annual Percentage Yield (APY) is accurate as of 06/14/2018


A banking package to help you earn more, save day-to-day, and grow your money.

The finer points:

  • 2.00% APY1 on your first $5,000
  • Up to $12 in monthly ATM surcharge refunds
  • $25 minimum account opening deposit
  • No monthly maintenance fee
  • Annual fee waiver on Overdraft Line of Credit2
  • Bonus Tier on our Performance Money Market Account

Apply Now

CSB One qualifications: A Connect Invest Investment Account must be opened and funded within 60 days of opening a CSB One Checking Account.

CSB One Checking Account: 1The Annual Percentage Yield (APY) is accurate as of 06/14/2018. The CSB One Checking is a variable rate account. Rate may change after account is opened. When statement qualifications cycle conditions are met: Tier 1 - Daily balances of $5,000.00 or less, the interest rate will be 1.98% with an APY of 2.00%. Tier 2 - Interest will not be paid on that portion of your daily balance that is greater than $5,000.00. One account per household.

Connect Invest Investment products and services are offered independently through SigFig Wealth Management, LLC. a registered investment advisor. 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 or guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of principal amount invested.

2Subject to credit approval


Sending money has never been easier - and receiving it never more convenient.

Send, request, and receive money with a click of a button to just about anyone with an email or mobile number.

The finer points:

  • Transfer money to friends and family outside your CSB network; all you need to know is their email address or mobile phone number

  • Accessible through Online Banking and mobile devices

  • Schedule ahead of time and set-up recurring payments

Sign into your Online Banking account and enroll through the Transfers tab.

Learn More

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. 

The finer points:

  • 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

Enroll in direct deposit today.

Download and complete our Payroll Direct Deposit form and drop it off with your HR Department or other payor.

Please note that your employer may require you to complete their form.


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.

Debit MasterCard®

Combine the convenience of a credit card while only using the money that’s available in your checking account. Plus, you can use your debit card to withdraw money free of charge at any Cambridge Savings Bank ATM1 and make purchases anywhere MasterCard is accepted.

The finer points:

  • Enjoy the convenience of not having to carry cash
  • Have peace of mind with zero liability for fraudulent activity
  • Extra protection when you shop online 2

Visit a branch or call 888.418.5626 to get your debit card issued.

1Newly deposited funds may not be available for immediate withdrawal. The daily ATM cash withdrawal limit is generally $500 and Point of Sale purchase limit is $1,500.

2MasterCard is a registered trademark of MasterCard International Incorporated. MasterCard Enhanced 3D SecureTM is a service from MasterCard and the Bank that provides added peace of mind when you shop online, by providing extra protection against unauthorized use of an enrolled card.


Some customers may still prefer to use checks and this convenient way to make a payment provides an easy way to keep a record of your payment and may be safer than cash.

The finer points:

  • Pay anyone
  • Choose from a wide variety of personalized checks1
  • Enjoy greater security with features like micro printing, watermarks, and the unique tracking number that corresponds to each check

Order Checks

1Fee will vary depending on style chosen.

Overdraft Protection

There are two ways to have more peace of mind and know that you will not be charged an overdraft fee, have your debit card declined, or have your checks returned unpaid with our overdraft protection options.

  • Our Overdraft Line of Credit1 transfers funds automatically to your checking account whenever you need it.
  • Our Overdraft Protection from Savings2 transfers funds automatically from your savings account to cover you if there’s not enough money in your checking account.

The finer points:

  • Access to funds when you overdraw your account. 
  • Enjoy the confidence of knowing you’re always covered
  • Have insurance against a record keeping error

Visit a branch or call us at 888.418.5626 to learn more.

1 The Overdraft Line of Credit requires approval, the annual fee is $25.00 and the Annual Percentage Rate is 18% as of June 14, 2018.

2 You must enroll in Overdraft Protection from Savings and the fee is $7.50 for all items covered from savings in one day. Transfers to another account or to third parties by preauthorized, automatic, telephone, facsimile, or computerized transfer are limited to six transfers per calendar month.

For more details on our checking accounts, please refer to our Deposit Account Agreement and Fee Schedule.

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