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Online Banking

Phone: 978-283-0246

Christmas TreeChristmas Club Account

Many of our customers have discovered that a Christmas Club Account at Cape Ann Savings Bank eases the stress of holiday shopping.  With your passbook Christmas Club Account, you choose the amount you would like to deposit each week.  You will receive your Christmas Club check in mid-October, giving you plenty of time to complete your holiday shopping.

No minimum balance requirements apply to this account.

  • No monthly fees
Savings Account Rates
Product NameInterest RateAnnual Percentage Yield (APY)Minimum daily balance to earn APY
Christmas Club Account 0.25% 0.25% $0.00
* This account is a variable rate account. The interest rate may change after the account is opened.


Savings Estimator




Rates are applicable as of 4/20/2018.


NEW Feature - Online Banking Enhancement Pending Transactions

  • Customer's Account information will now include debit/credit card transactions that are pending on their account.
  • As depicted in the image below you will now see a pending transaction (see example below), the pending amount and a zero balance.
  • The zero balance to the right of the pending transaction will be updated once the transaction is posted, this does not mean that your balance is zero.
  • Customers can find their current balance and available balance under Account Information near the top of the page (see example below).
  • The Available balance reflects the Current balance minus the displayed pending transactions.
  • If you do not see a transaction pending that you expect, it most likely means that the transaction has not been initiated yet against the account.


        Pending Transactions