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

*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 5/19/2022.

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 5/19/2022.
⁷The Annual Percentage Yield (APY) is accurate as of 5/19/2022. This is a variable rate account and rates may change after account is opened. Fees may reduce earnings.

⁸CSB One qualifications: A Connect Invest^SM 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 5/19/2022. The CSB One Checking Account is a 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 0.995% with an APY of 1.00%. 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 1.00% - 0.01%, depending on the balance in the account. Minimum balance to open account is $10. One account per household.

Connect Invest^SM 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.

⁹Please note when traveling abroad you must submit all ATM receipts for refunds.

¹⁰Subject 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 5/19/2022.

¹¹Eligible for bonus rate tier on Performance Plus Money Market Account on balances of $50,000 or greater.

Overdraft Protection Disclosures

¹² The Overdraft Line of Credit requires approval, the annual fee is $25 and the Annual Percentage Rate is 18% as of 5/19/2022.

¹³ You must enroll in Overdraft Protection from Savings. Transfers to another account or to third parties by preauthorized, automatic, telephone, facsimile, or computerized transfer may be limited to six transfers per calendar month.