Reward Yourself: Higher Rates When Qualifications Met!

This interest-earning account comes with our best features and benefits to reward you for your relationship with us. East Cambridge Checking is designed to reward account holders with higher rates and ATM rebates when qualifications are met.

Plus, with access to thousands of SUM® network ATMS, you 'll never see a surcharge fee when you withdraw cash at any SUM ATM.  

Sum.JPG  Just look for the bright red SUM logo.
 
  • Anytime, anywhere access: Bank on the go with our mobile and online banking and enjoy a newly enhanced digital banking experience.
  • ATM freedom: Enjoy unlimited transactions and no fees at ECSB and SUM Network ATMS and up to $30/month in rebates on other ATM fees when qualifications met.**
  • Get paid faster: Access your direct deposit payroll up to 2 days early!
  • Low starting cost: Just $25 minimum to open.
  • Overdraft protection: Avoid unwanted overdrafts with a linked savings account.
    • There is a $3 fee per transfer from linked savings account.
  • Convenient access: Interactive Teller Machine (ITM) access for personalized service.
  • Touch-free payments: Tap to pay with your debit card for easy, contactless transactions.
  • Top technology: Newly enhanced digital banking experience.
 
Open an Account Online
 

East Cambridge Checking

Minimum Daily Balance to Earn APY APY*
$0.00 - $30,000.00 if monthly qualifications met 3.50%
$30,000.01 and over if monthly qualifications met 3.50% - 1.12%
Entire balance if monthly qualifications not met 0.03%
*Annual Percentage Yield (APY) effective as of 12/16/2025 and interest rates may change after account opening unless otherwise disclosed here or elsewhere. The interest rate on the entire balance of your account will be 0.03%, with an annual percentage yield of 0.03%. However, we will provide a reward interest rate and ATM rebates** when you have 25 Point-of-Sale, 1 External Withdrawal posted and settled to your account during the month and have eStatements on your account. When transactions and services to be eligible for the reward are met, daily balances up to and including $30,000.00 will earn 3.50% APY. Daily balances over $30,000.00 will earn 0.40% APY on the portion of the daily balance over $30,000.00 resulting in a range from 3.50% to 1.12% APY depending on the daily balance in the account. For example, for a $30,000 deposit at 3.50% APY and an additional $100,000 at 0.40% APY, the combined APY is 1.12%. For other terms and conditions, account details, and cycle dates, please refer to account disclosures available at account opening and upon request. $25.00 minimum deposit required to open account unless otherwise noted. Personal deposits of Massachusetts residents only.

**Up to $20.00 for foreign bank ATM surcharges, capped at $5.00 per individual charge and up to $10.00 in ECSB Foreign ATM charges.
 

East Cambridge at Your Service

  • Natercia Calisto Image

    Natercia Calisto

    AVP, Business Development Manager
    Broadway Banking Center, Arlington
    NMLS ID: #1058405
    617.551.2551
    Email Natercia
  • Slater Cram Image

    Slater Cram

    Business Development Manager
    Inman Square Banking Center, Cambridge
    NMLS ID: #1691395
    617.551.2333
    Email Slater
  • KathyAnn Dottin Image

    KathyAnn Dottin

    AVP, Business Development Manager
    Salem Street Banking Center, Medford
    NMLS ID: #1058689
    617.551.2568
    Email KathyAnn
  • John Kirwan Image

    John Kirwan

    AVP, Customer Service - Digital Banking Manager
    Customer Service Center
    NMLS ID: #706962
    Email John
  • Robyn Lonardelli Image

    Robyn Lonardelli

    AVP, Business Development Manager
    Trapelo Road Banking Center, Belmont
    NMLS ID: #1068151
    617.551.2451
    Email Robyn
  • Richard Murray Image

    Richard Murray

    Business Development Manager
    Main Office, Cambridge
    NMLS ID: #706659
    617.551.2365
    Email Richard
  • Fiona Nattabi Image

    Fiona Nattabi

    AVP, Business Development Manager
    Malden Banking Center, Malden
    NMLS ID: #750242
    617.551.2547
    Email Fiona
  • Madhu S. Satyal Image

    Madhu S. Satyal

    Business Development Manager
    Wal-Lex Banking Center, Waltham
    NMLS ID: #829483
    617.551.2530
    Email Madhu
  • Susan Shaw Image

    Susan Shaw

    Business Development Manager
    Woburn Banking Center, Woburn
    NMLS ID: #751319
    617.551.2314
    Email Susan
  • Amal Taouri Image

    Amal Taouri

    Business Development Manager
    Highland Avenue Banking Center, Somerville
    NMLS ID: #1031097
    617.551.2313
    Email Amal
  • Sandy Youssef Image

    Sandy Youssef

    AVP, Business Development Manager
    Chelsea Banking Center, Chelsea
    NMLS ID: #1827521
    617.551.2390
    Email Sandy

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