Customer Support > Help Center

Help Center

Have a question? Get the answers you're seeking. If you can't find the answer you're looking for online, please contact us by phone or email, or by visiting a branch.

ATM/Branch Locator:

Find an ATM or Branch quickly.

General Banking Frequently Asked Questions:

Get answers to the most frequently asked questions about opening and maintaining accounts.

Opening an Account

How do I open an account with Cambridge Trust?
What types of accounts do you offer?
Do you offer a free checking account?
How do I switch my accounts to Cambridge Trust?
Where are your branches and ATMs located?
What if I am already a Cambridge Trust customer and want to open a new account online? Do I go through the same process?
Is a minimum deposit required to open an account online?
When is the opening deposit processed?
What is the account validation?
I received an email telling me to finalize my account. How do I do that?
 

Managing and maintaining your accounts

How do I change my address?
If I make a deposit, when can I access those funds?
How do I order checks for my personal accounts?
How do I order checks for my business accounts?
How do I pay for new checks?
How do I initiate a stop payment?
Do I set up direct deposit through the Bank?
How can I get a copy of a check or my monthly statement?
How do I make a wire transfer?
How do I receive a wire transfer at Cambridge Trust?
What is your ABA/routing number?
How do I deposit a check drawn on a bank in a foreign country?
Will my credit reserve balance be paid off automatically when I make a deposit to my account? 

Online Banking and Mobile Banking FAQs

Account Information and Access

How do I enroll in online banking?
How do I enroll in Mobile Banking?
What is the telephone number for 24-hour account information?
How do get my PIN (Personal Identification Number) reset for PrivateLINE Telephone Banking or Personal Internet Banking?
When do I pay a charge for using an ATM?
What should I do if my ATM or debit card is lost or stolen?
Is there a limit on purchases I can make with my debit card?
Can I use my ATM or debit card when I am outside of the country?
What happens when my ATM or debit card expires?

Additional Services

Do you have a Notary Public available?
Do you offer safe deposit boxes?
How do I buy U.S. Savings Bonds?
How can I get foreign currency?
Do I need to notify the bank before traveling abroad?
 

Opening an Account

How do I open an account with Cambridge Trust?

You have the option to open most accounts online or to stop by one of our 12 convenient branch locations. To open your account online, select your account from our Checking Comparison Chart or from our Savings & CD page and click “Open Now.” Whether you have simpler banking needs or require more robust features such as an interest-bearing checking account, Cambridge Trust has the solution for you. When you open an account online or in person, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You will also need your driver's license or other identifying documents.

To open a joint account you'll need the same information that's required when opening an individual account, but you'll need it for both applicants.
 

What types of accounts do you offer?

Cambridge Trust has checking and savings options to suite every lifestyle. We have accounts that offer a great way to earn the best rates of interest on your balances to a checking account with no monthly service fees and no minimum balance with qualifying direct deposit. Consult the Checking Comparison Chart and the Savings & CD page for more information.

Do you offer a free checking account?

The maintenance fee is waived on our Value Checking account with direct deposit of your paycheck, Social Security, or pension check. Monthly charges on other accounts can be waived by maintaining a minimum balance in linked accounts. Consult the Checking Comparison Chart for more information.

How do I switch my accounts to Cambridge Trust?

Switching is easy! We've compiled a checklist and collected the forms you need to switch your accounts. Follow these steps to switch your account to Cambridge Trust.

Where are your branches and ATMs located?

Cambridge Trust Company has 12 convenient Massachusetts branch locations in Belmont, Boston, Cambridge, Concord, Lexington, Lincoln, and Weston. Cambridge Trust ATMs are available at all branches, with additional ATMs in Cambridge. Cambridge Trust Company is also part of the SUMsm program.
 

What if I am already a Cambridge Trust customer and want to open a new account online? Do I go through the same process?

Existing customers can open a new account online by selecting an account from our Checking Comparison Chart or the Savings & CD page, in the branch, or by logging into Personal Internet Banking and selecting “Open an Account” from the tab at the top of the screen.

If you open your new account from the Cambridge Trust website, you will have the option of going through an expedited process. You will need your existing account number and your last statement balance.

Is a minimum deposit required to open an account online?

The minimum initial deposit to open all checking accounts online is $500. The minimum initial deposit to open a Premium Savings account online is $2,500 and the minimum initial deposit for a Statement Savings is $250.

When is the opening deposit processed?

Funds from your initial deposit will be posted to your account the second business day after you complete the Finalize Your Account process.  Funds will be available for withdrawal on the 5th business day. For example, if you Finalize Your Account on Tuesday, your funding amount will post to your account on Thursday, and you may withdraw your funds the following Monday.

What is the account validation?

The account validation process helps us to verify the account holder is authorized to make withdrawals from the funding account. Two test deposits and matching withdrawals will be made to your funding account. Each test deposit will be between $.01 and $.99.

I received an email telling me to finalize my account. How do I do that?

To finalize your account, select “Finalize Your Account” from the drop down menu on the homepage. You will need to enter your email address, the amounts of the two deposits made to your funding account and the verification code provided when you created your new Cambridge Trust account. It was also provided in the confirmation email. If you are unable to locate your verification code, please contact our Customer Resource Center at 617-441-1444.

Once this has been completed it verifies that the link to your funding account is working, and your initial deposit will be transferred into your new Cambridge Trust account.

Managing and maintaining your accounts

How do I change my address?

For your protection, a change of address request must contain your signature. Use this form to change your address on your accounts at Cambridge Trust Company.

If I make a deposit, when can I access those funds?

Our Funds Availability policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit.

How do I order checks for my personal accounts?

If you have no changes to your personal information (i.e. name and address), you can order checks online. Otherwise, contact Customer Support at 617-441-1444 or visit your branch to make this request.

How do I order checks for my business accounts?

If you have no changes to your information (i.e. name and address), you can order checks online. Otherwise, contact Customer Support at 617-441-1444 or visit your branch to make this request.

How do I pay for new checks?

The cost for checks will automatically be deducted from your checking account.

How do I initiate a stop payment?

Please contact Customer Support at 617-441-1444 or visit a branch to make this request.

Do I set up direct deposit through the Bank?

Use our Direct Deposit Enrollment form to notify your employer (or any other non-governmental organization that regularly sends a payment to you) that you want the proceeds deposited directly into your specified Cambridge Trust Company account.

How can I get a copy of a check or my monthly statement

Cambridge Trust Company images all checks written by customers, which are accepted by the IRS and others as proof. Online banking customers can download their eStatements as far as back as 2008. If you are not an online banking customer or are unable to locate your statement, you can contact Customer Support at 617-441-1444 to make this request.

How do I make a wire transfer?

A Money Transfer Services Agreement is needed to initiate wire transfers. You will need to visit a branch to obtain and sign an agreement. For your protection, once an agreement is on file, future wire transfer requests must contain your signature. You can either visit a branch, write or fax us with the wire transfer information, which must include the recipient's bank name, bank ABA/routing number, recipient's name and account number.

How do I receive a wire transfer at Cambridge Trust?

In order for you to receive a wire transfer at Cambridge Trust Company, the sending bank will need to know the following:

ABA/Routing Number: 011300595
Bank Name: Cambridge Trust Company
Bank Address:
1336 Massachusetts Avenue, Cambridge, MA 02138 U.S.A.
SWIFT Code: CAUPUS31
Beneficiary Name: (Name on Your Account)
Beneficiary Account Number: (Your Account Number)

Wire transfers are subject to fees. Please refer to our Fee Schedule for details.

What is your ABA/routing number?

011-300-595

How do I deposit a check drawn on a bank in a foreign country?

You may mail or bring the check into any of our branches and it will be forwarded to our Collections Department. The collection time will vary depending on the country of origin.

Will my credit reserve balance be paid off automatically when I make a deposit to my account?

No. You need to transfer funds or make a deposit directly to your Credit Reserve line. You can easily transfer funds through our Personal Internet Banking service or PrivateLINE 24-hour telephone banking system.
 

Account Information and Access

How do I enroll in online banking?

If you have a Cambridge Trust Company account, you can enroll now. You can check account balances, review account history, transfer funds between your accounts and pay bills online - FREE.

How do I enroll in Mobile Banking?

For complete instructions on enrolling in Mobile Banking, please click here.

What is the telephone number for 24-hour account information?

Call PrivateLINE at 617-254-BANK (2265) or 800-876-6406.

How do I get my PrivateLINE Telephone Banking or Personal Internet Banking PIN (Personal Identification Number) reset?

Contact Customer Support at 617-441-1444, Monday through Friday, 8:30am-5:00pm. You will be prompted to change your initial password the next time you call or log in.

When do I pay a charge for using an ATM?

All our accounts have free unlimited use of Cambridge Trust Company ATMs. Premium and Premium Plus Relationship Account customers have the added benefit of all ATM transactions at non-Cambridge Trust ATMs free plus unlimited refunds (for Premium Plus Relationship) or up to $15 per month (Premium Relationship) on ATM surcharge fees from using other banks’ ATMs. Cambridge Trust Company is a member of the SUMsm program. Additional ATM surcharges will not be imposed on Cambridge Trust customers who use their cards at other Bank's SUM designated ATMs. However, Cambridge Trust Company does impose a $1.00 network fee for transactions at non-Cambridge Trust Company ATMs except as noted for Access, Premium, and Premium Plus Relationship customers. Other banks not part of the SUM Program may surcharge for use of their ATMs. Please see the Fee Schedule for details.

What should I do if my ATM or debit card is lost or stolen?

Notify us immediately by calling 617-876-5500 during normal business hours. After hours, please call 800-236-2442. We will cancel the lost or stolen card and order you a new one.

Is there a limit on purchases I can make with my debit card?

The standard daily limit is $2,500. Premium and Premium Plus Relationship Account customers have a daily limit of $5,000. These limits may be increased temporarily for special purposes or other circumstances. Please contact your branch if you need a temporary increase in your daily limit.

Can I use my ATM or debit card when I am outside of the country?

Yes. Be sure to check the expiration date on your card prior to leaving the country if you plan on being away for an extended period.

What happens when my ATM or debit card expires?

A new card will automatically be sent to you by mail a couple weeks prior to your old card expiring.
  

Additional Services

Do you have a Notary Public available?

Yes. A Notary Public is available in all branches. You may want to consider calling ahead to ensure the Notary is available the day you wish to stop by.

Do you offer safe deposit boxes?

Yes. Safe deposit boxes are available in most branches except Beacon Hill, South End, and 1720 Massachusetts Avenue.

How do I buy U.S. Savings Bonds?

Now you can purchase U.S. Savings Bonds online and check their value using the Savings Bond Calculator at www.treasurydirect.gov.

How can I get foreign currency?

All our branches offer the convenience of foreign currency exchange with the immediate availability of Euros, British Pounds, and Canadian Dollars. With advance notice, other foreign currencies can be delivered to your branch for pick-up.

Do I need to notify the bank before traveling abroad?

Yes. It is recommended that you contact the Customer Resource Center prior to leaving on your trip. Informing us of your dates of travel and locations you plan to visit will help ensure uninterrupted service of your debit card while travelling.