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Personal Checking Accounts

Cape Ann Savings Bank offers the right products and services to help you with your finances. From the free NOW checking account to mobile banking, we are here for you. Visit or call us at 978-283-0246, toll free 888-283-2272, and speak with one of our representatives today.

NOW Account

Yes, it's truly FREE! All you need to open this flexible NOW Account and begin earning interest is $10.00. There is no monthly fee and unlimited check writing, with no per check charges. You will also enjoy check imaging for easier storage. Direct deposit and electronic funds transfer are also available. An optional ATM/Debit card is available with this NOW Account (some transaction fees may apply).


  • No monthly fees, service charges or activity charges
  • No per-check charges
  • $10.00 minimum balance to open
  • eStatements available
  • Free basic checks for customers under 18 or over 65 years of age
  • Mobile Banking with Mobile Deposit*
  • Online Banking with Bill Pay
  • ATM/Debit card available (optional)**
  • Direct deposit and electronic fund transfers available
  • Quicken downloads
  • Nominal fee for checks ordered
  • Send money to friends using Popmoney®**

*restrictions may apply
**Transaction fees may apply

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Money Market Deposit Account

The minimum balance to open a Money Market Deposit Account is $500.00. An optional ATM/Debit card is available with the Money Market Deposit Account.

Deposit Account Rates and Terms


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