Skip to content

Rates

As a student, you have unique needs and expenses. Your bank account should cater to your spending habits and financial goals. At Clinton Savings Bank, we offer a Get Real checking account that meets those needs for young adults in Massachusetts.

The Get Real checking account is designed for ages 16 to 25 so that you can open an account in high school and have all the features and benefits that you may need through college, trade school or your first years in the job force.

Fall Promotion: Open a Get Real Checking2 (.01% APY1 ) with eStatements2 and receive $202! Plus refer a friend to CSB and you will EACH receive $253!

1. APY = Annual Percentage Yield. Rate effective as of 10/1/2021. All rates subject to change without notice. Fees could reduce earnings. $10 minimum deposit is required to open the account and obtain annual percentage yield. A minimum balance of $10.00 must be maintained in the account each day to obtain the annual percentage yield. 2.To be eligible for this incentive, you must open a new Get Real Checking (Ages 16-25) and activate eStatements. If account holder is under the age of 18, a parent or legal guardian must jointly be on the account. New Accounts only. Incentive does not apply to second or multiple personal accounts; business accounts excluded. A $10 minimum deposit is required to open the account and obtain incentive. Offer cannot be combined with any other offer and is limited to one incentive per customer. Offer valid 10/1/2021 - 11/30/2021. New account holder must activate eStatements within 30 days of account opening to qualify for the $20 incentive. Get Real Checking Account holders will receive incentive(s) within 60 days of successfully meeting the transaction activation criteria listed; incentive(s) will be deposited directly into the CSB Get Real Checking Account. Offer may be withdrawn at any time. Any payment of $10 and over may be reported as taxable income and you may receive a 1099-INT. 3. By participating in the Refer – A - Friend program, each party may be aware that the other is a customer of Clinton Savings Bank. Refer-A-Friend is not applicable on "Save 4 Savings", Scratch Kids Club Savings Accounts, mortgage products or business accounts. A CSB consumer checking or savings account must be open and in good standing to be eligible to receive the deposit of $25 for referring a friend. The account will be credited the $25 for referring a friend within 30 days of the referred customers opening of new consumer checking or savings account. Referral may generate an IRS form 1099-MISC. To be eligible to receive the $25 for opening a new CSB consumer checking or savings account a Refer-A-Friend CSB form must be submitted at the time of account opening. $25 will then be credited to that account within 30 days of account opening. Offer may be withdrawn at any time. Any payment of $10 and over may be reported as taxable income and you will receive a 1099-INT. Offer does not apply to second or multiple consumer accounts; cannot be combined with any other offer and is limited to one incentive per customer.

The other advantages of creating a Get Real account include:

Key Features

  • Competitive Interest
  • Mobile Banking & Budgeting
  • Surcharge-Free3 Access to Worldwide ATMs via the Allpoint® Network

Get Real Checking is compatible with teenagers' needs and is also the ideal bank account for high school and college students in Massachusetts (ages 16 to 25 qualify [joint ownership required if under 18])1. The Get Real account fits into lifestyles that combine studying, social activities, and recent graduates embarking on their first job.

  • Convenience. Access your account from your web browser and our Mobile Banking app.2 Our Money Management Budgeting tool can help you learn how to manage your funds and will have access to purchase rewards!

  • Fewer fees. Withdraw your money from over 55,000 Surcharge-free3 ATMs worldwide via the Allpoint® Network without paying a surcharge and enroll in eStatement to eliminates a $3 monthly maintenance service charge for paper bank statements. This option is better for your budget and the environment.

  • Realistic requirements. At CSB, we know funds can be tight during high school, college semesters or other periods. That's why you just need a minimum deposit of $10 to open account. All you have to do is maintain a minimum balance of $10.00 in the account each day and you will obtain the disclosed annual percentage yield!
     
  • Personalization. Your checking account is different from everyone else's, and your debit card can be too. You can customize your CSB Debit Card (Simply upload your favorite picture to have on your CSB Just4Me® Debit Card for $10) card with a photo for additional debit card personalization.   

    We offer financial solutions for young adults. Whether you're 16 years old or a college student, we are here to help you achieve your financial goals during every stage of life. The Get Real checking account is just the first step.

18/65 Checking Account

Are you 18 or under or 65 or older? If so, you're eligible for a checking account free of monthly maintenance fees. Additional fees may be waived or discounted for eligible customers. Please contact a Relationship Banker for additional details: 888-744-4272.

1Must be at least 16 years old to open a Get Real Checking Account; anyone under 18 will need a signature of a parent or legal guardian as the joint owner on the account. Upon turning 25 years of age, the account will convert to a Total Access Checking Account and be subject to the fees and requirements applicable to the Total Access Checking Account.

2Clinton Savings Bank does not charge a fee; however, standard data rates may apply from wireless provider.

3Look for the Allpoint logo to ensure your transaction will be surcharge-free.