*Kasasa Cash Checking
A variable rate checking account with no minimum balance requirements that rewards account holders with interest and nationwide ATM withdrawal surcharge refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.

• Earn 3.75% APY on balances up to and including $30,000¹
• Earn 3.75% to 1.17% APY on balances $30,000.01 and over¹
• Up to $25.00 in monthly ATM surcharge rebates (maximum $5.00 per transaction)²
• No monthly maintenance charges

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Checking account during each Monthly Qualification Cycle:

• At least 1 ACH payment transaction
• At least 12 debit card purchases³
• Be enrolled in and have agreed to receive e-statements rather than paper statements

If you do not meet the monthly qualifications:

• Earn 0.03% APY on the entire balance¹
• No ATM surcharge rebates

¹Annual Percentage Yield (APY) effective as of 1/14/2025​ and Interest Rates may change after account opening unless otherwise disclosed here or elsewhere. For example, for a $30,000 deposit at 3.75% APY and an additional $100,000 at 0.40% APY, the combined APY is 1.17%. Product offering may be withdrawn at any time. Fees and other conditions may reduce earnings on accounts; ask for details. For other terms and conditions, account details, and cycle dates, please refer to account disclosures available at account opening and upon request. $10.00 minimum deposit required to open account unless otherwise noted. Personal deposits of Massachusetts residents only. Qualifications, rules, and limitations apply. Advertised information and rewards based on all account qualifications being met during each Monthly Qualification Cycle. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. 

²You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal surcharges incurred within your Kasasa Cash account during that Monthly Qualification Cycle. Reimbursements for individual ATM withdrawal surcharge fees are capped at $5.00.  We reimburse ATM withdrawal surcharges based on estimates when the withdrawal information we receive does not identify the ATM withdrawal surcharge. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. ATM withdrawal surcharge reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle.

³The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by our bank as ATM transactions. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

**Kasasa Cash Back Checking

A non-interest-bearing variable reward checking account with no minimum balance requirements that rewards account holders with cash back on their debit card purchases and nationwide ATM withdrawal surcharge refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.

• 3.50% cash back on debit card spending on the first $200 in purchases⁴
• Earn up to $84.00 cash back per year, $7.00 per Monthly Qualification Cycle⁴
• Up to $25.00 in monthly ATM surcharge rebates (maximum $5.00 per transaction)⁵
• No monthly maintenance charges

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back Checking account during each Monthly Qualification Cycle:

• At least 1 ACH payment transaction
• At least 12 debit card purchases³
• Be enrolled in and have agreed to receive e-statements rather than paper statements

If you do not meet the monthly qualifications:

• No cash back reward
• No ATM surcharge rebates

³The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by our bank as ATM transactions. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

⁴Product offering may be withdrawn at any time. For other terms and conditions, account details, and cycle dates, please refer to account disclosures available at account opening and upon request. $10.00 minimum deposit required to open account unless otherwise noted. Personal deposits of Massachusetts residents only.​ Qualifications, rules, and limitations apply. Advertised information and rewards based on all account qualifications being met during each Monthly Qualification Cycle. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first business day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle. Contact one of our banking center representatives for specific Monthly Qualification Cycle dates. Cash back payments will be credited to your Kasasa Cash Back account on the last day of current statement cycle. If you have a linked Kasasa Saver account, the cash back dollars will be credited to your Kasasa Saver account on the last day of current statement cycle instead. Contact institution for account details and cycle dates. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

⁵You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal surcharges incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. Reimbursements for individual ATM withdrawal surcharge fees are capped at $5.00.  We reimburse ATM withdrawal surcharges based on estimates when the withdrawal information we receive does not identify the ATM withdrawal surcharge. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. ATM withdrawal surcharge reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. If you have a linked Kasasa Saver account, the ATM withdrawal surcharge reimbursements will be credited to your Kasasa Saver account on the last day of current statement cycle instead. 

***East Cambridge Business Saver
Annual Percentage Yield (APY) effective as of 1/14/2025. $10.00 minimum deposit required to open account. Minimum daily balance of $0.00 - $9,999.99 to earn 0.20% APY. Minimum daily balance of $10,000.00 - $249,999.99 required to earn 3.80% APY. Minimum daily balance of $250,000.00 and over to earn 3.80% APY. For business deposits of Massachusetts residents and Massachusetts approved businesses only. Must be opened with new funds not currently on deposit with East Cambridge Savings Bank. This is a variable rate account and interest rates may change after account opening unless otherwise disclosed here or elsewhere. Product offering may be withdrawn at any time. Fees and other conditions may reduce earnings; ask for details. For other terms and conditions, please refer to account disclosures available at account opening and upon request.