It is the ability for you to see your account balance and your last 5 transactions without having to log in to online banking.

Mobile deposit is a way to electronically deposit checks for your Apple device (iPhone or iPad) and or an Android supported smartphone or tablet (including a Kindle tablet) with a functioning camera device using the Cambridge Savings Mobile Banking app. To use mobile deposit, you must be a current Cambridge Savings Bank customer with a checking or savings account. You must also be enrolled in online banking and our mobile app. Before depositing your first check, you must read and accept the Remote Deposit Capture Services disclosure and agreement. Use of Mobile Deposit is subject to approval.

Please review our Funds Availability Policy to learn more.

In your mobile app, select Deposit Check and then follow the onscreen prompts.

Mobile check deposit is free for Cambridge Savings Bank customers.

There are a few common errors that may cause your check to be rejected:

• Folded or torn corners
• Front image is not legible
• Dollar amounts do not match
• Routing and account numbers are unclear
• Your device does not have a camera
• Image is too dark or otherwise unclear

Important Notes
It is best to make your mobile deposits in a well-lit area to prevent shadows and poor image quality, and keep your hands and fingers out of the image before taking the picture.
Android is a registered trademark of Google, Inc.
Apple, the Apple logo, iPhone, iPad, Touch ID, and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Mobile Deposit Service Agreement

As a security measure, CSB obtains a consumer report on all applicants. This inquiry does not impact your credit score. If you have any precautions in place, we will not be able to run the necessary verifications to evaluate your application and open your account.

We are unable to capture or process military ID information through our online account opening platform. If your military ID is your only form of identification, please contact us for assistance.  

Accepted Forms of ID: Driver's License, State ID Card, U.S. Passport 

Cambridge Savings Bank's routing number is 211371120.

APY-E (annual percentage yield earned) is an annualized rate that reflects the total amount of dividends (or interest) earned for the dividend (or interest) period and stated as a percent based on the actual average daily balance in the account. Unlike APY, which assumes no deposits or withdrawals are made over a 12-month period, APY-E is impacted by both deposits and withdrawals made during the period reflected on the periodic statements. On leap years, the APY-E listed in January and February statements may differ as calculations are based on 366 days.

If you already have a money market account with us and need to order replacement checks², order online, call our check provider Deluxe at 800.335.8931, or call us at 888.418.5626 for assistance.

You can re-activate your account(s) by completing the following:

• Sign and return the activation form that you received with your Abandoned Property Notice

The person or organization named to represent the estate of the deceased can forward copies of the death certificate and their appointment papers to us for processing. We can then work directly with the representative to disburse the account.

State law requires either a monetary transaction initiated by the customer or a written communication from the customer to keep an account in an active status. The posting of interest payments and/or receipt of the account statement does not qualify as a monetary transaction under this law.

Please visit MissingMoney.com

An incoming international wire (or payment) is an electronic transfer of funds directly credited to your account from an overseas remitter. In most cases, a wire is the quickest way to receive funds from abroad.

A wire will normally take 2-3 business days to be credited to your account, although this can never be guaranteed.

The remitter should send the funds, and if in foreign currency, Convera will convert them into U.S. Dollars before forwarding to Cambridge Savings Bank for credit to your account.

All Cambridge Savings Bank Debit Mastercards^® (with the exception of business debit cards) are offering Apple Pay^®, Samsung Pay, or Google Pay^TM.

Start by having your Cambridge Savings Bank debit card on hand.

For Apple Pay:

1. Simply tap the Wallet app that's already on your iPhone^®
2. Tap + and follow the steps to add your Cambridge Savings Bank Debit Mastercard.³
3. Tap Next at which point we will verify your card information
4. When prompted, please call the number displayed on the screen so we can activate your card for Apple Pay.

Learn more about Apple Pay

For Google Pay:

1. Download the Google Pay app
2. Sign in with your Google account
3. Simply follow the instruction to get set up.

Learn more about Google Pay

For Samsung Pay⁴:

A Samsung Pay shortcut will be preloaded, allowing you to download and install the app. If not, download Samsung Pay from Galaxy Apps^®.

1. Open Samsung Pay and tap Get Started
2. Enter a new PIN for Samsung Pay and enter again to confirm
3. If it's your first time using Samsung Pay, you will be asked to add Payment Cards
4. Add your Cambridge Savings Bank Debit Mastercard

Learn more about Samsung Pay.

Once your Cambridge Savings Bank Debit Mastercard is added:

1. For Android Users: Make sure your device is unlocked and hold it to the terminal, no need to open the app.
2. For Apple Users: Just hold your iPhone near the reader with your finger on Touch ID® or double-click the side button on your Apple Watch®, then hold it near the reader.
3. For Samsung Users: Swipe up to launch the app, secure with authentic­­ation (either your fingerprint or passcode) and hover over the card reader to pay.

Cambridge Savings Bank will not automatically update your card information in your wallet.

You can delete your old Cambridge Savings Bank debit card from your device and add the replacement card, which will create a new device account number.

There is no cost for using your Cambridge Savings Bank debit card in your Mobile Wallet.⁵

Yes, you will continue to receive the same protection that you enjoy today with your Cambridge Savings Bank debit card.

Card Control enables you to control your debit card(s) using Online Banking or Mobile Banking. Turn your card on and off, block certain types of merchants, transactions, and even set a spending limit. It's up to you! You'll also be able to set alerts to track your finances.

Log in to CSB Online Banking or the mobile app. Within Online Banking, select Tools and Services, then Card Control. In the mobile app, select the Menu, then Tools and Services, then click Card Control.

You must register for Online Banking to use Card Control.

To register, you may:

• Give us a call at 888.418.5626
• Visit your local branch

Once you are enrolled in Online Banking, sign-in and click Enroll. 

In the Manage Card section, click on Manage Travel Plans. Click the + button next to Add Travel Plan. You will need to receive a one time passcode to either your phone as a text or by email. The next page you will choose the destination and travel dates, then click Submit. 

Note: You can add up to 2 Travel Plans per card and within each Travel Plan Max of 15 destinations. 

The Spend Insights section will show you the total amount you have spent during each month. It will also tell you what you used your card for, when you used your card, and where you have used your card. 

No, there is no charge for this service.

Note: For text alerts, standard text message and data rates may apply.

From the first/main screen you encounter in Card Control, tap on the toggle switch to turn your Debit Card ON or OFF.

Note: Card Control changes are effective instantly.

To switch cards if you are in Online Banking, click the drop down arrow next to where it reads Switch or Add Card. In the mobile app just swipe the current card picture over to the left. If you have additional cards you will see a new card. 

Any recurring debit card payments will continue to process normally.

All other debit or credit card transactions, including ATM withdrawals and cash advances, are blocked.

In the Manage Card section, click on Controls & Alerts. Under the controls section you can customize by Region, Merchant Type, Transaction Type or Spend Limits.  

In the Manage Card section, click on Controls & Alerts. Click on the Alerts link and here you can alert for all transactions, no transactions or alert for selected transactions. 

In the Manage Card section click on Controls & Alerts. Under the Alerts tab, click the radio button next to No transaction alerts.

Generally, text and email alerts are received less than a minute after the authorization of a transaction. However, that timing may be impacted by your individual carrier and the cell coverage you have at the time.

If one of your cards is lost or stolen, please turn your card OFF and then contact us at 888.418.5626 to report the card as missing or stolen and request a new one or visit your local branch to get a new card instantly. Once you receive your new card you will need to go into the Card Alerts tool and manage your settings for the new card. The Card Alerts tool does not close a card.

Navigate to uChoose Rewards from Card Control. You can click on the Rewards link within Card Control to navigate to the uChoose Rewards and redeem points for goods and services or can get cash back.

It’s a comprehensive Credit Score program that helps you stay on top of your credit. You get your latest credit score and report and an understanding of key factors that impact the score. With this program, you always know where you stand with your credit.

Credit Score also monitors your credit report daily and informs you through online banking and by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Log in to Online Banking to enroll and get started!

Your Credit Report will provide you all the information you would find in your credit file, including a list of current and/or previous loans, accounts, and credit inquiries.  You will also be able to see details on your payment history, credit utilization and public records that show up in your file. When you check your credit report through this tool, there will be no impact to your score.

The Score Simulator is an interactive tool that allows you to simulate various actions you may take and see how your score could be affected. Different actions, like paying off a credit card balance might make your score move up or down. Just like checking your credit score and report using this tool, using our simulator does not affect your actual credit score.

No. Access to your credit score and report are entirely free, and no credit card information is required to enroll. Simply log in to Online or Mobile Banking to enroll and get started!

As long as you regularly access Online Banking, your credit score will be updated every 7-days and displayed within your Online Banking screen. You also have the ability to refresh your credit score and full credit report every 24-hours by clicking “Refresh Score” by navigating to the detailed Credit Score Dashboard from within Online Banking.

Our Credit Score tool pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform among the three bureaus to provide consumers a better picture of their credit health.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions may use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no two scoring models are completely identical but should be directionally similar.

No, Cambridge Savings Bank does not have access to your credit file unless you choose to share with us. However, if you would like to share your credit report with your financial institution or any trusted party, you can easily download your credit report by navigating to the “Credit Report” tab and clicking “Download Report”.

The Credit Score tool uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

The Credit Score tool makes its best effort to show you the most relevant information from your credit report. If you think that any of the information is inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing corrections with each bureau individually. Each bureau has its own process for correcting inaccurate information, but every user can “File a Dispute” by clicking on the “Dispute” link within their Credit Report. However, The Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact the bureaus and correct errors.

No. Checking your credit score or report using this tool is always a “soft inquiry”, which does not affect your credit score. Typically, lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes. After you have enrolled in Credit Score for the first time, your report will be monitored, and you'll receive email alerts when there’s been a change to your credit profile. When applicable, you can also find these monitoring alerts within your Online or Mobile Banking.

Yes, you can easily choose when and how you're contacted. Navigate to the “Resources” tab and then under “Profile Settings” you can choose which email notifications you would like to receive. The Credit Score tool sends out three types of emails: Credit Monitoring Alerts, General Messages and Monthly Notices. You will automatically be enrolled in all email communications and can easily unselect the specific email types you wish not to receive.

Fraud alerts sent via text message are a way for Cambridge Savings Bank to notify you if there is a suspicious debit card transaction on your account. The alerts are triggered when a debit card transaction has been identified as suspicious. For example, charges outside of your usual purchasing patterns, from a different location, or with an unusually high amount may trigger an alert.

If you have a current mobile phone number on file with us, you will automatically be enrolled in fraud alert text messages.

Should you need to update your mobile phone number, you may do so by calling us at 888.418.5626, stopping by your local branch, or sending a Secure Email through your Online Banking.

The number (or short code) that displays on fraud alert text messages is 37268. If you receive a text message from any other number alleging to be a Cambridge Savings Bank fraud alert, please disregard and reach out to us at 888.418.5626 at your earliest convenience.

The format for fraud alert text messages is as follows:

FreeMSG Cambridge Savings Bank 1-833-735-1897: Reply YES or NO if you used debit card ending ####, (Merchant Name) in (ST), $XX.XX. STOP to opt out.

We do not charge for fraud alert text messages from 37268, but standard text message and data rates may apply.

If we suspect fraudulent activity on your debit card, we will send you an alert. Depending on the charge in question, your card may be blocked. When you receive the alert, we will look for you to either:

• Reply “YES” and confirm that you are in fact the one making purchases with your debit card and that the activity should NOT be considered fraudulent. If you respond “YES” your debit card will not be blocked from making further purchases and any block placed will be lifted.
• Reply “NO” and indicate that you are not the one making purchases with your debit card and that the activity should be considered fraudulent. If you respond “NO” your debit card will then be blocked from making further purchases, if it was not already.

Yes, if you validate the transaction as not being fraud by responding “YES”, indicating you tried to make the suspected purchase, it will be updated in our fraud system. You can attempt the transaction again, usually within 5–10 minutes of your response call or text.

Text messages will be sent from 8:00a.m. – 9:00p.m. relative to the local time in your mobile phone’s area code time zone.

You can reply “STOP” and will no longer receive the debit card fraud alerts via text. You will be immediately unenrolled in this service. However, you will still continue to receive debit card fraud alerts via phone call.

If you did not intend to unenroll from this service, you may then reply “UNDO” to cancel that action.

You can simply reply “HELP”, and we will provide you with a phone number to call for further information. Alternatively, you can call our Contact Center at 888.418.5626.

Yes, we recommend that you contact us as soon as possible so we can help you fill out the necessary fraud documentation and contact the proper authorities.

On Desktop, navigate to login box on the homepage and click Forgot Username or Password and follow the instructions on screen. 

In the mobile app, tap Login, then click Forgot Username or Password and follow the instructions on screen.
 

Your CD will automatically renew at maturity, and you will have 10 calendar days once it matures to make changes to your account. The renewal term will be the same as your current term, except for CD Specials. CD Specials will renew for the closest shorter term to your current term. The renewal will be at the standard interest rate and Annual Percentage Yield (APY) in effect at maturity. 

1. Using our CD Management tool in Online Banking or the mobile app:

   In Online Banking, select Tools & Services, then CD Management. 

   In the mobile app, select Menu, then Tools & Services, then CD Management.

2. Notifying us of changes through secure email within Online or Mobile Banking.
3. Call us at 888.418.5626
4. Completing the Certificate of Deposit Authorization to Change form which is mailed 45 days in advance of your CD maturity.  

Forms can be mailed to:
1374 Massachusetts Ave
Cambridge, MA 02138

Or brought to your local branch. 
 

Once your CD reaches maturity, you will have 10 calendar days to make changes to your account.

1. Using our CD Management tool in Online Banking or the mobile app:

   In Online Banking, select Tools & Services, then CD Management. 

   In the mobile app, select Menu, then Tools & Services, then CD Management.

2. Notifying us of changes through secure email within Online or Mobile Banking.
3. Call us at 888.418.5626
4. Completing the Certificate of Deposit Authorization to Change form which is mailed 45 days in advance of your CD maturity.  

Forms can be mailed to:
1374 Massachusetts Ave
Cambridge, MA 02138

Or brought to your local branch. 
 

You may close your CD early but will incur a penalty for early withdrawal. Please refer to your account disclosures to calculate the amount of the penalty. Please contact us at 888.418.5626 for more information or to request an early closeout withdrawal. 

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. 
 

You may make withdrawals of principal from your account before maturity.  Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. Except in cases of a complete withdrawal, no such withdrawal before maturity shall reduce the remaining balance of the account below the $1,000 minimum balance (not applicable to Retirement accounts).  Please refer to the Understanding Your Deposit Account Handbook to determine the amount of the penalty.  For any withdrawal outside of the maturity grace period, please contact us at 888.418.5626.
 

You may contact us through secure email in Online or Mobile Banking, call us at 888.418.5626, or return the Authorization to Change form to prearrange any changes to be completed at maturity. Changes may be made through the CD Management tool in Online and Mobile Banking only at maturity and within the following 10-calendar day grace period.  

Yes, you may withdraw funds from your matured CD and transfer them to your other CSB accounts. After clicking the Manage button under your matured CD, choose Withdraw funds, select your account, enter the amount to withdraw, and select Submit.

Yes, you may add funds to your matured CD from a CSB checking or savings account. After clicking the Manage button under your matured CD, choose Add funds, select your account, enter the amount to add, and select Submit.

To change to a different term CD, click the Manage button next to your matured CD and use the Term options available dropdown to view/select a different CD term, and then select Submit.

No, CSB does not currently support direct transfers to/from your CD to an external account.

You may withdraw funds from your matured CSB CD via wire transfer. In Online Banking or our mobile app, select Move Money, then Domestic Wire Transfer Form to start a request.

Note: As a courtesy, CSB will waive the normal processing fee charged for performing a wire transfer when wiring funds to/from a matured CSB CD.
 

Yes, you may close your CD using the CD Management tool. Select Tools & Services from the navigation menu, then CD Management, then select Manage under your CD, and then choose Select under the Close and transfer to another account tile. Closures may be made through the CD Management tool in Online and Mobile Banking only at maturity and within the following 10-calendar day grace period.  If you do not have an existing CSB account, please contact us through secure email in Online or Mobile Banking or call us at 888.418.5626 to make other arrangements. 

No, a debit card will only be ordered if you select that you want one during the online account opening process. If you didn’t select the debit card option, simply contact us to order one or stop by a branch to get one printed on the spot.

If you selected that you want a debit card during the application process, a debit card will automatically be ordered and linked to your checking account.  

Your Digital Card: You may access a digital version of your card instantly via the Card Control tool in our mobile app. Simply add it to your mobile wallet to start using.  

Your Physical Card: Your physical card will arrive in the mail within 7-10 business days, or you can stop by a branch and get one printed on the spot. 

If you selected to receive a debit card, it will automatically be linked to your checking account. 
If you'd like your debit card to also be linked to your savings account, please contact us so we can assist with linking it. 

Yes, you may request a debit card to access your savings account. Please contact us to request a debit card. 

If you didn’t select the debit card option when opening your account online, simply contact us to order one or stop by a branch to get one printed on the spot. 

You may view your transfer limits and delivery times in Online Banking or our mobile app by selecting Move Money, then Limits & Delivery Times.

If you no longer want to use Online and Mobile Banking, you can remove your mobile/online banking user profile at any time.

If you wish to remove access, please note:

• Your User ID and password will be deleted, and you will be unable to access Online and Mobile Banking
• You will no longer have digital access to transfer or payment history and recipients/payees
• Any bill pay payments or eTransfers that are sent prior to the removal of your online banking profile will still occur. Please direct any questions regarding the status of a recurring or scheduled payment or transfer to the Customer Service Representative when you contact us. Future-dated bill pay payments or eTransfers will be cancelled at the time access to your profile is removed
• Any statements, notices, or tax forms for accounts linked to your Online Banking profile will not change to paper statements automatically. Please change your delivery preference to receive paper copies of notifications by mail in the Statements, Notifications, and Tax Forms section located in the Account Management menu before requesting deletion of your online profile

To remove your access, call 888.418.5626, send a Secure Email in Online Banking, or send a live chat message. Please remember you should never submit account and personal information through regular email.

Note: Removing your Online or Mobile Banking user profile will not close your CSB account(s). If you wish to close an account, you must do so separately by calling 888.418.5626, sending a Secure Email in Online Banking, or sending a live chat message. Please remember you should never submit account and personal information through regular email.