With our range of personal checking options, you can choose the account with just the services you need and use. Every account features free online banking, bill payment, and mobile banking with mobile check deposit. And, no matter which account you choose or how you prefer to bank, you’ll always have our undivided attention.

To see all your options, review our Account Comparison Chart below.

Features & Benefits Premium Plus Relationship Premium Relationship Access Checking Access Checking
for Students
Value Checking
  btn_open_in_branch_sm
Find the right checking account for you Take advantage of our highest rates and the most added benefits Take advantage of preferred rates and many added benefits Leverage your combined balances to waive the monthly maintenance fee An account for college students (International student?
Click here)
Waive the monthly maintenance fee with a qualifying direct deposit3
Minimum average balance of your linked deposit accounts to waive monthly maintenance fee $25,000 in combined deposit balances or a Cambridge Trust first mortgage $10,000 in combined deposit balances $5,000 in combined deposit balances plus required online banking with an eStatement None None
Monthly maintenance fee $25 (waived for first 2 months) $18 (waived for first 2 months) $12 (waived for first 2 months) Free for five years while you are a student4 $9.95 or free with qualifying direct deposit
Minimum balance to open $0 in a branch or $500 online $0 in a branch or $500 online $0 in a branch or $500 online $0 in a branch or $500 online $0 in a branch
Ability to add add'l checking accounts without monthly maintenance fees1 Yes Yes Yes No No
Interest paid Yes Yes No No No
Surcharge refunds Unlimited ATM surcharge refunds2 $15 ATM surcharge refund per statement cycle2 No No No
Online banking and bill payment Free Free Free Free Free
eStatement Free Free Required Required Free
Mobile banking with mobile check deposit Free Free Free Free Free
Discount on home equity line or loan rate with direct debit for credit qualified applicants Yes Yes No No No
Discount on checks Free standard or discount on designer checks Free first order of standard checks No No No
Discount on safe deposit box Free first year 50% off first year No No No
No-fee money orders and treasurer's checks Yes Yes No No No

For complete information about account fees and other disclosures, please see Account Disclosures and Rules & Regulations and Fee Schedule.

  1. When you meet the minimum combined monthly average balance requirement, you may open additional Premium Plus Relationship, Premium Relationship, or Access Checking accounts with an equal or lower minimum balance requirement free of monthly maintenance fees. Access Checking always requires eStatement delivery to avoid maintenance fees.
  2. Other banks may surcharge you for use of their ATMs. ATM surcharge fees you receive from using other banks' ATMs will be refunded for Premium Plus Relationship or up to $15 per statement cycle for Premium Relationship accounts.
  3. Qualifying direct deposit includes your paycheck, Social Security, or pension check. A direct deposit must be received during each statement cycle.
  4. Access Checking for Students is free of monthly maintenance fees for five years after which time Access Checking fee schedule applies. Verification of enrollment at a 2 or 4-year college required.

Cambridge Trust is a member of the SUMsm Program. Additional ATM surcharges will not be charged to Cambridge Trust customers using their cards at ATMs operated by any SUM member.