Teach kids, teens, and young adults the value of saving. We’ll reward their hard work with competitive interest.



Don't Miss CSB's End of School Year Scratch Coloring Contest*! Print your coloring sheet here.

Scratch Kids Club
  • Perfect for elementary and middle school aged savers1
  • Earn competitive interest when you maintain a minimum balance of $5 or more each day
  • No monthly service charge
  • Monthly deposit required to maintain account2
  • No minimum deposit to open
Get Real Savings
  • Available to savers ages 14 to 25 (joint ownership required)3
  • Earn competitive interest when you maintain a minimum balance of $10 or more each day
  • Avoid the $3 monthly maintenance service charge by receiving eStatements
  • Free On the Go Banking4
  • $10 minimum deposit to open

How can I open an account?

Customers can visit one of our convenient locations to open any of our accounts.

Do you offer other types of Savings Accounts?

Yes, we have several different savings account types — so you can choose the one that fits your specific needs. A full list of our savings products can be found on our Savings page.

Where can I view my savings account number?

To view your full savings account number, all you have to do is log in to Online Banking and follow the steps below:

  1. Go to “My Accounts”
  2. Hover over the desired savings account and click
  3. Click on “Account Details” and your account number will appear

How do I transfer funds? 

You can conveniently transfer money between your CSB checking & savings accounts through Online Banking, Mobile Banking or at one of our branches.

When will I begin to earn interest on my savings account?

Interest is compounded daily and credited to your account on the last day of the month.

What is the difference between a Savings Account and a Certificate of Deposit?

A savings account lets you access your funds when you want. You can make deposits and withdrawals anytime. CDs however, are term deposits, so funds are locked up for a specific amount of time. Savings accounts are generally a variable rate account and can change, while the yield on a CD is fixed for the term.

Is my balance insured?

Yes, Clinton Savings Bank offers both Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) to protect your deposits. FDIC covers up to $250,000 in deposits per account owner/ownership category. This means individual accounts and joint accounts at insured institutions can each receive $250,000 of insurance with a common account owner. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

1Anyone under 18 must have a parent or legal guardian jointly on the account. The account is opened in the child's name, as well as the parent/guardian's name and both signatures are required to complete a withdrawal. In the month the student turns 19, the account will automatically convert to a Get Real Statement Savings Account. This will be a joint account requiring one (1) signature for withdrawals and will be subject to the fees and requirements applicable to the Get Real Statement Savings Account. If you'd like your school to participate in our Banking Days program, please call Marketing at 888-744-4272.

2If this condition is not met, the bank reserves the right to convert this account to Statement Savings and be subject to the fees and requirements applicable to that account.

3Must be at least 14 years old to open a Get Real Statement Savings Account; anyone under 18 will need a signature of a parent or legal guardian as a joint owner. Upon the tax owner turning 25 years of age, the account will convert to a Statement Savings Account and be subject to fees and requirements applicable to the Statement Savings Account.

4Clinton Savings Bank does not charge a fee; however, standard data rates may apply from wireless provider.

*All Scratch year-end school celebration coloring contest entries received between June 5th and June 26th at 4:00pm will be entered to win 4 tickets to Animal Adventures, 336 Sugar Rd. Bolton, MA 01740. This contest is open to artists between 5 and 13 years old, the age must be placed on the coloring contest sheet in the designated area along with the name of a parent or guardian and contact information on the back of the entry. Completed entries can be dropped off at any CSB branch during normal business hours. All entries must be submitted at any CSB branch location by June 26th at 4:00 pm. The winner will be randomly selected from all entries received on Thursday June 27th, 2024, by 5:00 pm by the Bank's Marketing Department. The parent or legal guardian of the winner will be notified by phone or email on June 28th, 2024, and the tickets will be emailed to the parent/guardian. Family members of Clinton Savings Bank employees are excluded.