First Seacoast Bank is now Cambridge Savings Bank as of October 1, 2026 - no action is needed from you today. See what to expect
 

Built on Trust.

Growing Together.

Two community banks with one shared mission. The same local bankers and branches you know - now backed by the strength, technology, and lending capacity of a $7.5 billion New England community bank.

Questions? Call us at (603) 742-4680 or stop by any of our locations.

Read the FAQs
See the timeline
WHAT THIS MEANS FOR YOU TODAY

More capabilities. The same relationships.

This acquisition brings together two institutions that share values, complementary strengths, and a long-term commitment to you and our local communities.

What stays the same

  • Your branch, hours, and bankers
  • Your account information including account & routing number, debit card, checks, direct deposit, automatic payments, loan payments, rates and due dates
  • Your online banking and log-in

What gets better

  • Expanded ATM network for cash withdrawals
  • Increased lending capacity
  • Local decision-making preserved

What you need to do

  • Nothing today
  • There are no immediate changes to your accounts, access, payments, routing number or direct deposit.
  • Any further changes will be communicated clearly and well in advance by mail, email or both. This page is your central resource for the latest information, updates, and answers to frequently asked questions.
EXPLORE WHAT'S AHEAD

Take a moment to explore CSB!

 
WHAT YOU'LL FIND:

Personal & Business Banking
Comprehensive options including checking, savings, and cash management to suit your needs. 

Lending & Mortgage
Home, commercial, and consumer lending crafted with expanded capacity and flexibility. 

Digital Banking Tools
Enhanced digital experience and expanded mobile banking tools coming in 2027.

TIMELINE

Important Milestones

The acquisition and the systems integration are two separate milestones. Most changes that impact you will not begin until 2027 during systems integration.

May 5, 2026
Acquisition Announced
October 1, 2026
Acquisition Finalized
Today
Banking as Usual
2027
Coming Together

May 5, 2026

Cambridge Savings Bank (CSB) and First Seacoast Bank (FSB) announce their plan to combine.

Frequently Asked Questions

Browse by category. Don't see what you are looking for? Call us at (603) 742-4680 or stop by any of our locations.

Overview

Who is Cambridge Savings Bank?
Cambridge Savings Bank is a full-service banking institution with $7 billion in assets. As a community bank, CSB is committed to improving the quality of life of its employees, customers, and the communities it serves. One of the oldest and largest community banks in New England, CSB offers a full line of individual and business banking services.
Why is Cambridge Savings Bank acquiring First Seacoast Bank?
This acquisition brings together two leading institutions who share values, complementary strengths, and a long-term commitment to customers and local communities. Together, the combined organization will be well positioned for sustainable growth and expanded capabilities — including a larger lending capacity, enhanced digital services, and a robust treasury management team.
What will the bank be called?
Upon completion of the merger, First Seacoast Bank will become Cambridge Savings Bank. The branches you know and trust are staying the same.
What does this acquisition mean to me?
You will benefit from enhanced products, new services, improved technology, an expanded branch and ATM network, increased lending capacity, and a larger relationship team — all while maintaining the local decision-making you've come to expect.
Will my bankers still be here to work with me?
Yes. The same knowledgeable and friendly bankers at your branch will continue to serve you. Day-to-day banking relationships remain unchanged.  
Will branch hours change?
No changes to branch hours are planned at this time.
Will branch locations close?
No branch closures are planned at this time.  
Will deposits still be insured by the FDIC?
Yes. Your deposits remain protected under applicable FDIC insurance limits of $250,000 per depositor, per account ownership category.  However, going forward, because the two banks have been combined into one, deposit accounts previously held with First Seacoast Bank will be combined with any additional deposit accounts held at Cambridge Savings Bank (FDIC certificate #17870) for the purpose of calculating FDIC insurance limits and will not be separately insured.
What should I do if I have additional questions?
You should continue contacting your local branch or customer service team as you normally would. For investor inquiries, contact investorrelations@firstseacoastbank.com.
Can I still open a personal account online?

Yes — where you go depends on which best describes you.

I am new to Cambridge Savings Bank and planning to bank mostly online.
Visit cambridgesavings.com to find an account that fits your needs.

I would rather open with a banker in person.
Stop by any of our five New Hampshire branches — Barrington, Dover, Durham, Portsmouth, or Rochester — and we'll open your account together. Whether you're new to us or you've banked with us for years, we'll find your account fit.

I'm already a First Seacoast Bank customer and I use Online Banking.
To open additional accounts through online banking, log in to your existing online banking and open your new account right there. If you'd rather have a banker walk you through it instead, you're always welcome at any of our NH branches.

Not sure which path fits? Call us at 603.742.4680 and we'll help point you in the right direction.

What is changing with outgoing wires?

Effective October 1, 2026, outgoing wire transfers may be subject to a call-back verification. A banker will call a phone number already on file to confirm wire details before the transfer is processed.

Timeline

When did the acquisition occur?

On October 1, 2026. The integration of banking systems will follow at a later date in 2027.

Do I need to take any action right now?
No. You do not need to take any action at this time. There are no immediate changes to customer accounts, services, access, payments, routing number, or direct deposits.
What changes can I expect in the coming months?
Any future changes will be communicated clearly and well in advance. Updates will be shared via direct communication including email, mail, and at cambridgesavings.com/acquisition or info.firstseacoastbank.com/nowcsb.

Deposits

Will my account change following the acquisition?
For now, you will continue to bank as you always have. You will be notified in writing in advance if any terms and conditions associated with your account are changing.
Will my account or routing number change?
No immediate changes are required. Following the completion of bank systems integration, First Seacoast Bank accounts will transition to Cambridge Savings Bank, and you will be notified well in advance of any required changes.
Will I need to order new checks?
No immediate changes are required. After the bank systems integration, instructions will be provided if new checks are needed.
Will my direct deposit and automatic payments stay in place?
Yes. Automatic payments and direct deposits will remain unchanged until bank systems integration.
Will my debit card change?
No. You will be notified well in advance of any changes following bank systems integration.
Will I have access to more ATMs?
Yes! You now have access to an expanded ATM network. FSB ATMs in New Hampshire will continue to offer full access. At CSB ATMs in Massachusetts, you can make cash withdrawals and balance inquiries. Deposit services will be available after systems integration in 2027. 
Will I have access to CSB branches in Massachusetts?
Not yet. First Seacoast Bank account holders will be able to use CSB branch services after systems
integration in 2027.

Online & Mobile Banking

Will I still be able to use online and mobile banking?
Yes. You continue using your existing online and mobile banking platforms with your same credentials. You will be notified in advance of any enhancements or changes.
Will my online bill payment and payees automatically transfer?
Detailed information regarding bill payment and payees will be provided in advance of bank systems integration.

Loans & Payments

Will my loan account number change?
No immediate changes are required. Should any updates to your loan account numbers be required, you will receive clear and timely instructions.
Will my payment, interest rate, or due date change?
No changes will occur to your current loan service schedule and agreements.
Who do I contact about a new, existing, or in-process loan?
You should continue to contact their local loan department with any questions.
Do I need to change or update payments?
No. Automatic payments will remain unchanged until you are notified otherwise.
Will I continue to receive loan payment notices?
Yes. If you currently receive a monthly payment notice, you will continue to do so. Review your statement carefully and contact us at 603.742.4680 with any questions.
Who do I contact for help with my credit card?
For Personal and Business credit card 24-hour toll-free live customer assistance please contact 1-800-367-7576 or visit www.cardmanager.net

Wealth Management

How does the merger impact my investment and advisory relationship?
There will be no change to your FSB Wealth Management relationship, other than the bank name will change from FSB to CSB. Investment and insurance products and services will continue to be offered through OSAIC INSTITUTIONS, INC., Member FINRA/SIPC. Products are not FDIC-insured and are subject to investment risk.

Community

What does this acquisition mean for the communities you serve?
As a combined institution, the acquisition strengthens our ability to invest in local people, organizations, and businesses — continuing the tradition of making a positive impact in the communities we serve.

Fraud & Security

Is my money still safe?
Yes. Your deposits remain protected under applicable FDIC insurance limits of $250,000 per depositor, per account ownership category. However, going forward, because the two banks have been combined into one, deposit accounts previously held with First Seacoast Bank will be combined with any additional deposit accounts held at Cambridge Savings Bank (FDIC certificate #17870) for the purpose of calculating FDIC insurance limits and will not be separately insured.
Will my personal or financial information be shared?
Your security and privacy is our top priority. Cambridge Savings Bank Privacy Policy applies to consumer, business, commercial customers, applicants, and former customers of Cambridge Savings Bank. It details our privacy and security practices regarding our relationship with you, including sharing of information between our affiliates. Click here to review the CSB Privacy Policy.
How do I protect myself from fraud during this transition?
When banks announce major changes, fraudsters may attempt to exploit the situation. We will never call, email, or text requesting personal information, login credentials, or computer access. If you receive such a request, do not respond and report it immediately to the bank by calling us at 603.742.4680.

Communications & Updates

How will I receive updates?
Through direct communication including email, mail, and websites. Additional updates will be shared at cambridgesavings.com/acquisition or firstseacoastbank.com/merger-information.

 First Seacoast Bank is now Cambridge Savings Bank | Member FDIC | NMLS#543370 | Equal Housing Lender