Checking Savings Bonus Offer | Cambridge Savings Bank

Choose Your Checking Account

Three great checking accounts.
Pick the one that fits your life.

Simple Checking

The essentials — no monthly service charge, ever, with all our digital tools included.

Monthly Maintenance Service Charge	None — ever
Non-CSB ATM Rebates	Not included
Checks	Not included
Earns Interest	No
Boosts Money Market Rate	No

Open Account Open Both Checking and Money Market

Performance Checking

Greater convenience, ATM reimbursements, and a bonus to match.

Monthly Maintenance Service Charge	$10/mo (waivable³)
Non-CSB ATM Rebates	Up to $12/month²
Checks	First order of basic checks free
Earns Interest	No
Boosts Money Market Rate	No

Open Account Open Both Checking and Money Market

Performance Plus Checking

Interest-earning, additional perks — and it unlocks the highest money market rate.

Monthly Maintenance Service Charge	$20/mo (waivable⁴)
Non-CSB ATM Rebates	Unlimited²
Checks	Unlimited basic checks
Earns Interest	Yes — 0.10% APY⁵
Boosts Money Market Rate	Yes — unlocks higher APY⁶

Open Account Open Both Checking and Money Market

How do I qualify for the Checking Bonus?

For the $500¹ bonus

✓Open a new personal checking account with a $10 minimum opening deposit between 5/1/26 and 9/30/26 — you must not currently have, or have had, a CSB personal checking account in the last 12 months.
✓Enroll in eStatements within 30 calendar days following the date the new account is open and funded.
✓Have at least $2,500 in monthly direct deposits within each of the first 3 full calendar months that the account is open and funded.
✓Maintain a minimum average monthly balance of $5,000 for the first 3 full calendar months following the date the new account is open and funded.

For the up to $300¹ debit bonus — paid as $25 for every qualifying month

✓Open a new personal checking account with a $10 minimum opening deposit between 5/1/26 and 9/30/26 — you must not currently have, or have had, a CSB personal checking account in the last 12 months.
✓Make 10 qualifying debit card purchases of at least $10¹ using your CSB Debit Mastercard^® within each of the first 12 calendar months following the date the new account is opened and funded.

Heads up, students! Simple Checking for Students doesn't qualify for this bonus, but we've got something just for you. Check it out here!

Supercharge Your Savings

Earn $400¹ with a new Relationship High-Yield Money Market.

Open a new Relationship High-Yield Money Market and earn a $400¹ bonus while your money grows at a competitive rate. Already opening a checking account? Bundle both and earn up to $1,200¹ total.

Earn $400¹

The Relationship High-Yield Money Market gives you flexible access to your funds while earning a competitive, tiered APY on your balance. Open with as little as $1.

Earn a tiered Annual Percentage Yield (APY) on your balance.
Access your funds anytime.
Open a Performance Plus Checking account and boost your rate!⁶

View current RHYMM rates →

Open Money Market Account

How do I qualify for the $400¹ money market bonus?

✓Open a new Relationship High-Yield Money Market account with as little as $1 between 5/1/26 and 9/30/26 — you must not currently have, or have had, a CSB personal savings or money market account in the last 12 months.
✓Maintain a minimum average monthly balance of $25,000 in money not currently on deposit with CSB for the first 3 full calendar months following the date the new account is opened and funded.

It's Simpler Than You Think

Your path to earning up to $1,200¹

Four straightforward steps stand between you and your bonus — no matter which account(s) you choose.

Choose Your Account(s)

Open a qualifying checking account, a Relationship High-Yield Money Market, or both — between May 1 and September 30, 2026.¹

Fund & Set Up

Fund your new account and complete any required setup steps within the first 30 days of opening.¹

Meet the Requirements

Use your account as required during the qualification window. Each offer has its own qualifying activities — see full details below.¹

Collect Your Bonus

Your bonus is automatically credited within 2 months after the qualification period ends. Up to $1,200 is waiting.¹

A Bank Worth Switching To

Always you^®

Every decision. For nearly 200 years — and for whatever chapter comes next.

Swipe. Tap. Deposit. Transfer. Pay a bill from the couch. Check your balance at midnight. And when you need more than a screen — a real person who knows your name and your neighborhood.

Local & Community-Rooted

We've served Greater Boston and New England for over 180 years. We're not a national chain — we're your neighbors. What matters to you matters to us.

Real People. Real Service.

When you call, you talk to a person. When you visit a branch, you're more than an account number. It's why people switch to CSB.

Open in Minutes. Bank Anywhere.

Start your application online right now — it only takes a few minutes. Then manage everything through our mobile app, online banking, or at a branch near you.

Switching banks isn't something you do on a whim. So, when you're ready, make it count — with an entire community of people who have your back, decisions made locally, and up to $1,200¹ to welcome you.

Existing Customers

Already a CSB customer?

This offer is designed for new customers — but if you already bank with us, you may still qualify for part of it. Here's a quick guide based on your existing CSB relationship.

You have CSB Checking

No CSB savings or money market account?

$400¹ Money market bonus available to you

You're not eligible for the checking bonuses, but you can still earn the $400 Relationship High-Yield Money Market savings bonus — as long as you haven't had a CSB personal savings or money market account in the past 12 months.

See the Money Markey Offer

You have CSB Savings

No CSB checking account?

Up to $800¹ Checking bonuses available to you

You're not eligible for the RHYMM savings bonus, but you can still earn up to $800 in checking bonuses — the $500 one-time bonus plus up to $300 in monthly debit rewards — as long as you haven't had a CSB checking account in the past 12 months.

See Checking Options

You have both

Already have CSB checking and savings?

Let's talk We may still have something for you

You may not be eligible for these particular bonuses — but that doesn't mean there's nothing new for you. Ask us about current savings rates, CD options, or ways to get more from the accounts you already have. Give us a call at 888.418.5626

Visit a Branch

Not sure? Eligibility is based on whether you currently have — or have had in the past 12 months — a CSB personal checking account and/or a CSB personal savings or money market account. Simple Checking for Students is excluded from the checking bonus. Visit a branch or give us a call if you are not sure of your eligibility.

Personal Checking and Relationship High-Yield Money Market Bonus Disclosure

¹Personal Checking and Relationship High-Yield Money Market Bonus Offer

Receive up to $1,200¹ when you meet the following requirements:

$500 CHECKING BONUS—To qualify for this bonus:

• Open a new personal checking account (excluding Simple Checking for Students) with a $10 minimum opening deposit during the promotional period (May 1, 2026 through September 30, 2026). You must not currently have a CSB personal checking account or have had one in the last 12 months.

• Enroll in eStatements through CSB Online or Mobile Banking within 30 calendar days following the date the new account is opened and funded.

• Receive cumulative monthly direct deposits totaling $2,500 or more within each of the first 3 full calendar months following the date the new account is opened and funded. For example, a qualifying account type opened and funded during the month of May must complete the requirements in the months of June, July, and August to qualify for the bonus. Qualifying direct deposits include payroll, pension, and/or government benefits made electronically via ACH. Person-to-person transfers, internal transfers, and deposits made at a branch, ATM, or via mobile deposit do not qualify.

• Maintain a minimum average monthly balance of $5,000 for the first 3 full calendar months following the date the new account is opened and funded.

Payout: The one-time $500 bonus will be credited within 2 months of the end of the qualification period. For example, if the account is opened and funded in May, the qualifying months are June, July, and August, and the bonus will be paid by October 31.

Additional Information: Fees may reduce earnings. Minimum balance to obtain the APY is $10. All bonuses will be reported to the IRS as interest. Please refer to CSB Understanding Your Deposit Account for Personal Accounts Handbook, Personal Account Fee Schedule, and Personal Account Rate Sheet for account details. The Performance Plus Checking Account has a 0.10% Annual Percentage Yield (APY). APY is accurate as of 5/1/2026. Rate is variable and may change after account opening. You must live or work in Massachusetts.

$300 RECURRING DEBIT CARD TRANSACATION BONUS—To qualify for this bonus:

• Complete at least 10 qualifying debit card purchases using your CSB Debit Mastercard® within each of the first 12 calendar months following the date the new account is opened and funded.

• Each qualifying transaction must be at least $10.

• ATM transactions, cash advances, and person-to-person transfers do not qualify.

• Transactions must post to the account during the calendar month to qualify.

Payout: The recurring bonus will be paid at $25 per qualifying month, for a total of up to $300 over 12 months. If monthly qualifying debit card purchase transaction requirements are not met in a given month, no bonus will be paid for that month.
Additional Information: All bonuses will be reported to the IRS as interest. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

$400 RELATIONSHIP HIGH-YIELD MONEY MARKET BONUS—To qualify for this bonus:

• Open a new Relationship High-Yield Money Market account during the promotional period (May 1, 2026, through September 30, 2026) with a minimum opening deposit of $1 ($100 for Retirement Accounts). You must not currently have a CSB personal savings or money market account or have had one in the last 12 months.

• Maintain a minimum average monthly balance of $25,000 for the first 3 full calendar months following the date the new account is opened and funded.

• The deposit(s) used to qualify for the bonus must be new money, not currently on deposit with CSB.

Payout: The one-time $400 bonus will be credited within 2 months of the end of the qualification period. For example, if the account is opened and funded in May, the qualifying months are June, July, and August, and the bonus will be paid by October 31.
Additional Information: Retirement accounts cannot be opened online. This is a variable rate tiered account, and rates may change after the account is opened. Fees may reduce earnings. Interest is not paid on account balances below $10. All bonuses will be reported to the IRS as interest. We may limit the number of preauthorized, automatic, telephone, facsimile, and computerized transfers from statement savings accounts and money market accounts to other accounts of yours or to third parties to six per calendar month. For more information, please refer to CSB Understanding Your Deposit Account for Personal Accounts Handbook, RHYMM Disclosure, and Personal Account Fee Schedule for full account details.

Rates are accurate as of 5/1/2026.
Minimum Balance to Earn Annual Percentage Yield (APY)
•    $10 - $9,999.99: 1.24% Interest Rate, 1.25% APY
•    $10,000 - $49,999.99: 1.48% Interest Rate, 1.50% APY
•    $50,000 - $249,999.99: 1.93% Interest Rate, 1.95% APY
•    $250,000 - $999,999.99: 2.42% Interest Rate, 2.45% APY
•   ≥ $1,000,000: 2.71% Interest Rate, 2.75% APY
Unlock bonus rate with a Performance Plus Checking Account. See RHYMM disclosure for additional details and rates.

Additional Terms for all Three Offers

• Bonuses may be combined if all applicable requirements are met for each offer on a per customer basis.

• Accounts must be open and in good standing throughout the qualification period and at the time of bonus payout.

• Offer may be withdrawn or modified at any time without notice.

• Offer current at the time of account opening will be honored. Other restrictions may apply.

²Please note when traveling abroad you must submit all ATM receipts for refunds.

³Waive with $1,000 average monthly balance OR $2,500 in combined average monthly checking, savings, money market, CD, and IRA balances.

⁴Waive with $10,000 in combined average monthly checking, savings, money market, CD, IRA, and consumer loan balances (Excluding mortgage balances)

⁵The Annual Percentage Yield (APY) and Interest Rate is 0.10%, accurate as of 5/1/2026. $10 minimum daily balance required to earn APY. This is a variable rate account and rates may change after account is opened. Fees may reduce earnings.

⁶Eligible for bonus rate on Relationship High-Yield Money Market Account. Click to view current rates.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Make your move. Earn up to $12001

New eligible checking and money market account customers can earn up to $1,2001

Three great checking accounts.Pick the one that fits your life.

Earn $4001 with a new Relationship High-Yield Money Market.

Your path to earning up to $1,2001

Always you®

Local & Community-Rooted

Real People. Real Service.

Open in Minutes. Bank Anywhere.

Already a CSB customer?

Make your move. Earn up to $1200¹

New eligible checking and money market account customers can earn up to $1,200¹

Three great checking accounts.
Pick the one that fits your life.

Earn $400¹ with a new Relationship High-Yield Money Market.

Your path to earning up to $1,200¹

Always you^®