A Warm Welcome to Optima Bank & Trust Clients


Our goal is to make your transition to Cambridge Trust as simple as possible.

Important details about the transition of your accounts to Cambridge Trust over conversion weekend July 19 – 22

Friday, July 19

  • Conversion Begins: Transition of Optima accounts to Cambridge Trust systems will begin and banking offices will close at 5:00 p.m.
  • Online Banking: All transfers must be made before 5:00 p.m. Available for account view only from 5:00 p.m. to 7:30 a.m., Monday, July 22.
  • Mobile Banking: Optima Mobile App discontinued at 5:00 p.m.
  • Bill Pay: New bill payments may be initiated until 5:00 p.m.

Saturday – Sunday, July 20-21

  • Banking Office Hours: All Optima offices will be closed. ATMs available 24/7
  • Debit/ATM Cards: Continue to use your Optima Debit/ATM and Health Savings cards as usual.

Monday, July 22

  • Banking Office Hours: Offices will reopen as Cambridge Trust at 8:30 a.m.
  • Online Banking: Online Banking and Bill Pay are available at 7:30 a.m. on cambridgetrust.com.
  • Mobile App: The Cambridge Trust Mobile App will be available for download on the Apple® App Store and Google™ Play.
  • Debit/ATM Cards: You may continue to use your Optima Debit/ATM and Health Savings cards until your new card(s) arrive in September or October.

For more details, be sure to read the Welcome Kit information provided below


Optima Client Merger
Announcement Letter

Mailing April 22, 2019


Frequently Asked Questions

As of June 20, 2019


Frequently Asked Questions


About Cambridge Bancorp
Cambridge Bancorp, the parent company of Cambridge Trust Company, is based in Cambridge, Massachusetts. Cambridge Trust Company is a 128-year-old Massachusetts chartered commercial bank with approximately $2.1 billion in assets and 10 Massachusetts locations in Cambridge, Boston, Belmont, Concord, Lexington, and Weston. Cambridge Trust Company is one of New England’s leaders in private banking and wealth management with $3.1 billion in client assets under management and administration. The Wealth Management group maintains offices in Boston, Massachusetts and Concord, Manchester, and Portsmouth, New Hampshire.  The addition of Optima’s six banking offices will bring our total full service banking office count to sixteen and allow us to offer comprehensive private banking and wealth management services in New Hampshire.
Forward-looking Statements
Certain statements herein may constitute “forward-looking statements” as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about the Company and its industry involve substantial risks and uncertainties. Statements other than statements of current or historical fact, including statements regarding the Company’s future financial condition, results of operations, business plans, liquidity, cash flows, projected costs, and the impact of any laws or regulations applicable to the Company, are forward-looking statements. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “plans,” “projects,” “may,” “will,” “should,” and other similar expressions are intended to identify these forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results. Such factors include, but are not limited to, the following: difficulties in achieving cost savings from the proposed merger or achieving such cost savings within the expected time frame, difficulties in integrating Optima Bank & Trust Company and Cambridge Trust Company, economic conditions being less favorable than expected, disruptions to the credit and financial markets, weakness in the real estate market, legislative, regulatory or accounting changes that adversely affect the Company’s business and/or competitive position, and other factors that are described in the Company’s filings with the Securities and Exchange Commission, including our Annual Report on Form 10-K for the year end December 31, 2018, which the Company filed on March 18, 2019. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. You are cautioned not to place undue reliance on these forward-looking statements.