4.00% APY interest, free ATM fees, discounts and perks.

Cambridge Savings Bank’s SuperSmart Checking makes a lot of sense on deposits up to $25,000.

SuperSmart Checking from Cambridge Savings Bank is a checking account that earns you interest at an incredible rate of 4.00% APY, but it also gives you FREE ATM access anywhere with unlimited monthly ATM surcharge refunds. Plus, you’ll earn rewards points towards free stuff every time you use your debit card.

The high interest rate and free ATM banking is just the beginning of all you get with SuperSmart Checking. This account also offers these benefits:

Travel accident insurance
Identity Guard with 6 months of free credit monitoring
Identity theft protection
Health benefits including Pharmacy, Vision and Hearing
Discounts on travel and shopping

To qualify for the premium interest on this checking account, all you have to do is fulfill these 3 monthly requirements:

10 Debit Card Transactions
eStatements
Direct Deposit

Minimum balance of $100 is required to open the account. Rate tiers are as follows: 4.00% APY applies to balances of $10-$25,000 and 0.05% APY applies to balances over $25,000 as long as qualifications are met each statement qualification cycle. 0.05% APY applies to all balances if qualifications are not met. The APY will range from 4.00% to 0.05% depending on the balance in the account. A minimum of 10 debit card transactions (excluding ATM transactions), monthly direct deposit, and enrollment in monthly eStatements is required to earn the higher APY. A monthly maintenance fee of $5.00 will be imposed every statement cycle if all of the following conditions are not met: a minimum of 15 debit card transactions deducted from the account and posting during the statement qualification cycle (excluding ATM transactions), monthly direct deposit posting during the statement qualification cycle, and enrollment in monthly eStatements.

About Cambridge Savings Bank

Cambridge Savings Bank is a full-service financial institution with $2.2 billion in assets. As one of the oldest and largest community banks in Massachusetts, the bank offers a full line of individual and business banking services and has 15 banking centers located in Cambridge, Acton, Arlington, Bedford, Belmont, Burlington, Concord, Lexington, Newton Centre and Watertown.