Checking

With security, convenience and service built in.

Choose the option that best suits your personal and financial situation. Each includes online and mobile banking access.


 
  • Premium Plus Relationship
    Get our highest interest rates plus unlimited ATM surcharge refunds worldwide.
     
    • Complimentary ATM access worldwide with unlimited ATM surcharge refunds1
    • Flexible online and mobile banking with Touch ID™ for mobile deposits and bill payment
    • Complimentary debit cards with customized daily purchase limits
    • No foreign transaction fees
    • ​Highest rates: interest earned on entire checking balance
    • Convenient credit reserve for credit qualified applicants 
    • Discounted rate on home equity lines and loans with direct debit for credit qualified applicants
    • All standard checks complimentary and designer checks discounted
    • Complimentary safe deposit box for the first year
    • No-fee money orders or treasurer’s checks
    • Waived monthly maintenance fee with $25,000 minimum combined monthly average balance, or a Cambridge Trust first mortgage
    • Add additional checking accounts without monthly maintenance fees2

    View Rates

    Open Account
  • Premium Relationship
    Preferred interest rates plus $15 in ATM surcharge refunds monthly.
    • ComplimentaryATM access worldwide with $15 per month  ATM surcharge refunds1
    • Flexible online and mobile banking with Touch ID™ for mobile deposits and bill payment
    • Complimentary debit cards with customized daily purchase limits
    • No foreign transaction fees
    • Convenient credit reserve for credit qualified applicants
    • Discounted rate on home equity lines and loans with direct debit for credit qualified applicants
    • Complimentary first order of standard checks
    • 50% off safe deposit box for the first year
    • No-fee money orders or treasurer’s checks
    • Waived $18 monthly maintenance fee with $10,000 minimum combined monthly average balance
    • Add additional checking accounts without monthly maintenance fees2

    View Rates

    Open Account
  • Access Checking
    Enjoy an exceptional level of personal service and the ability to leverage your combined balances to waive the monthly fee.
     
    • Complimentary debit card
    • Flexible online and mobile banking with Touch ID™ for mobile deposits and bill payment
    • Convenient credit reserve for credit qualified applicants
    • Waived $12 monthly maintenance fee with $5,000 minimum combined monthly average balance and eStatement delivery

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    Open Account
  • Access Checking for Students

    A great option while in school, with no minimum balance and free of monthly fees for five years.

    • Complimentary debit card
    • Flexible online and mobile banking with Touch ID™ for mobile deposits and bill payment
    • Convenient credit reserve for credit qualified applicants
    • No monthly maintenance fee for up to five years3


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    Open Account

  • Value Checking
    No monthly fee or minimum balance required when you make just one monthly qualifying direct deposit.3 Paper statement monthly fee applies.4

    To open an account, please visit one of our convenient locations

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Get in touch

For more information about our services, call:

844-251-0099 Email Us
 

Disclosures

For complete information about account fees and other disclosures, please see: Account Disclosures and Rules & Regulations and Fee Schedule.
 
1. 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 up to $15 per statement cycle for Premium Relationship accounts.

2. 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.

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 SUM® Program. Additional ATM surcharges will not be charged to Cambridge Trust clients using their cards at ATMs operated by any SUM® member.