Please read this Disclosure and Consent Agreement carefully and keep a copy for your records.In this agreement, “we”, “us” and “our” mean Cambridge Savings Bank and “you” and “your” means each account holder, owner, or authorized user of a Cambridge…

Our loan officers are flexible, experienced and seriously enjoy creating value for their customers. They respect your busy schedule, working around it day or night and driving anywhere in Massachusetts to meet you face-to-face. They are available to…

192-year foundation built on a first name basis. Get to know us.We believe in the vitality of the communities in which we live and work and the uniqueness of each and every customer that we serve. Our goal is to treat every customer like our only…, Community Reinvestment Act (CRA) Public File Cambridge Savings Bank expresses our commitment to the Community Reinvestment Act (CRA) by providing impactful and responsive products and services and by meeting the credit needs of the communities we…, Community Reinvestment Act (CRA) Public File Cambridge Savings Bank expresses our commitment to the Community Reinvestment Act (CRA) by providing impactful and responsive products and services and by meeting the credit needs of the communities we…

When you bank with Cambridge Savings Bank, you could earn a lower interest rate on your mortgage or a credit on your closing costs. It's our way of saying "thank you" for being a valued customer!, Your Discount With Relationship Pricing, ,

EFFECTIVE: March 31, 2023DISCLOSURE AND CONSENT: TO RECEIVE ACCOUNT DOCUMENTS ELECTRONICALLYPlease read this Disclosure and Consent carefully and keep a copy for your records.Electronic Delivery of notices: To serve you more efficiently, we will provide…, Cambridge Savings Bank PERSONAL ONLINE BANKINGSM SERVICES AGREEMENT EFFECTIVE: March 31, 2023 Cambridge Savings Bank requires that all persons accessing our online banking service (“Online Banking”), bill payment service (“Bill Pay Service”), funds…, CAMBRIDGE SAVINGS BANK DEPOSIT ACCOUNT REQUIREMENT You must have a Cambridge Savings Bank deposit account opened and in good standing to use the Services. You must be clearly authorized to access any account(s) associated with the Services. This means…, SUBSCRIPTION TO THE SERVICES: You authorize us to use third parties to provide the Services to you on our behalf. , ACCESS METHODS To access the Services, you will need a personal computer connected to the internet with a Bank certified browser that supports 128-bit encryption (for an up-to-date list of certified browsers please contact us). You will need a Username…, ONLINE BANKING – FEATURES AND FUNCTIONALITY Account Access: You may designate up to 30 personal accounts for online access or viewing. These include your checking, statement savings, passbook savings, money market, CD, IRA and credit accounts. When…, OUR LIABILITY We will process and complete all Services which comply with the terms of this Agreement. Except as otherwise provided in this Agreement, if we do not complete such a transaction, we will be liable for any losses or direct damages you may…, INSUFFICIENT FUNDS If you have instructed us to make a payment or debit for which there are insufficient available funds in your selected Bank account, the payment may not be made. In this instance, if the debit was for a Bill Pay Service transaction,…, ELECTRONIC NOTICE: E-MAIL AND TEXT MESSAGING To the extent permitted by applicable law, any e-mail or text you send us will not be effective until we receive it and have had a reasonable opportunity to act on it. We therefore strongly suggest that you…, USER CONFIDENTIALITY/SECURITY We are committed to protecting the security and confidentiality of information about your account and use of the Services. We identify users by their unique security credentials including Username, Password, answers to…, FRAUD PREVENTION In order to protect yourself against fraud, you need to adhere to the following guidelines: Do not give out your account information, Username, Password, secret questions, answers to your secret questions, PFM Password, or Social…, UNAUTHORIZED USE Notify us AT ONCE if you believe that your Username, secret Password, secret questions’ answers, or PFM secret Password has been lost, stolen or otherwise compromised. As a preliminary step, you should also immediately change your…,  EQUIPMENT We are not responsible for any loss, damage or injury resulting from (i) an interruption in your electrical power, Internet service or phone service; (ii) the disconnection of your phone service by your provider or deficiencies in the…, SUSPENSION In the event of repeated failed payments or transfers; we reserve the right to suspend your subscription to the Services. This suspension may be without prior notice to you. If your subscription is suspended, transactions, which were…, AMENDMENTS TO THIS AGREEMENT We may amend or change this Agreement at any time. If the change adversely affects you, we will give you notice prior to the effective date of the amendment to the extent required by applicable law. Such notification may be…, ADDRESS CHANGES We may rely on your address, including, without limitation, your e-mail address, as it appears on our records for any and all communications we send to you unless and until you notify us in writing at the address set forth below and we…, TERMINATION; INACTIVITY Unless otherwise required by applicable law, we may terminate this Agreement for any reason in our sole discretion without prior notice. You also have the right to terminate the services provided under this Agreement by calling…, GOVERNING LAW The laws of the Commonwealth of Massachusetts shall govern this Agreement. In the event of a dispute regarding the Services, you and we agree to resolve the dispute by looking to the terms and conditions contained herein and disclosures…, CAMBRIDGE SAVINGS BANK Electronic Banking Services P.O. BOX 380206, CAMBRIDGE, MASSACHUSETTS 02238-0206 www.cambridgesavings.com Cambridge Savings Bank: 800.864.BANK (2265) (or 617.441.4200 for hearing impaired customers) Press ‘0’ for Customer Contact…

Automated Telephone Banking SystemFor answers to your banking needs, call us 24 hours a day, 7 days a week. You can check balances, verify the dates and amounts of your most recent transactions and more!800.864.BANK (2265)Lost Or Stolen Debit…, Closed On The Following Federal Holidays In 2026:January 1, New Year's DayJanuary 19, Martin Luther King Jr. DayFebruary 16, Presidents' DayMay 25, Memorial DayJune 19, JuneteenthJuly 4, Independence DaySeptember 7, Labor DayOctober 12, Columbus…

Closed On The Following Federal Holidays In 2026:January 1, New Year's DayJanuary 19, Martin Luther King Jr. DayFebruary 16, Presidents' DayMay 25, Memorial DayJune 19, JuneteenthJuly 4, Independence DaySeptember 7, Labor DayOctober 12, Columbus…