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    <import namespace="http://fasb.org/us-types/2018-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2018/elts/us-types-2018-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2017-01-31" schemaLocation="http://xbrl.sec.gov/country/2017/country-2017-01-31.xsd" />
    <import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
    <import namespace="http://xbrl.sec.gov/stpr/2018-01-31" schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd" />
    <import namespace="http://fasb.org/srt/2018-01-31" schemaLocation="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd" />
    <element id="cass_IntangibleAssetsAccumulatedAmortization" name="IntangibleAssetsAccumulatedAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_AssetsCarryingAmount" name="AssetsCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_AccountsAndDraftsPayableFairValueDisclosure" name="AccountsAndDraftsPayableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_LiabilitiesCarryingValue" name="LiabilitiesCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_StandbyLettersOfCreditOutstanding" name="StandbyLettersOfCreditOutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_FederalFundsSoldAndOtherShortTermInvestments" name="FederalFundsSoldAndOtherShortTermInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_PaymentsInExcessOfFunding" name="PaymentsInExcessOfFunding" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_AccountsAndDraftsPayable" name="AccountsAndDraftsPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_DefinedBenefitPlanPensionPeriod" name="DefinedBenefitPlanPensionPeriod" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="cass_IncomeFromCustomersAfterProvisionForLoanLoss" name="IncomeFromCustomersAfterProvisionForLoanLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_IntersegmentIncomeExpenseAfterProvisionForLoanLoss" name="IntersegmentIncomeExpenseAfterProvisionForLoanLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosurePercentage" name="AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosurePercentage" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cass_InformationServicesPaymentAndProcessingRevenue" name="InformationServicesPaymentAndProcessingRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments" name="InterestOnFederalFundsSoldAndOtherShortTermInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_IncreaseDecreaseInPaymentsInExcessOfFunding" name="IncreaseDecreaseInPaymentsInExcessOfFunding" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_IncreaseDecreaseInAccountsAndDraftsPayable" name="IncreaseDecreaseInAccountsAndDraftsPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" name="IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_IncreaseDecreaseInNonInterestBearingDemandDeposits" name="IncreaseDecreaseInNonInterestBearingDemandDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_BankServiceFees" name="BankServiceFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_PercentageOfTargetOpportunityForAwardsToVest" name="PercentageOfTargetOpportunityForAwardsToVest" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cass_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerms" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerms" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="cass_FundingSources" name="FundingSources" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_ScheduleOfLoanCategoriesTableTextBlock" name="ScheduleOfLoanCategoriesTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cass_ScheduleOfCreditExposureOfLoanPortfolioByInternallyAssignedCreditGradeTableTextBlock" name="ScheduleOfCreditExposureOfLoanPortfolioByInternallyAssignedCreditGradeTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cass_InformationServicesMember" name="InformationServicesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_BankingServicesMember" name="BankingServicesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_CorporateEliminationsAndOtherMember" name="CorporateEliminationsAndOtherMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_CommercialAndIndustrialLoanMember" name="CommercialAndIndustrialLoanMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_RealEstateCommercialMortgageMember" name="RealEstateCommercialMortgageMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_RealEstateCommercialConstructionLoanMember" name="RealEstateCommercialConstructionLoanMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_RealEstateChurchRelatedMortgageMember" name="RealEstateChurchRelatedMortgageMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_RealEstateChurchRelatedConstructionLoanMember" name="RealEstateChurchRelatedConstructionLoanMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_OtherFinancingReceivableMember" name="OtherFinancingReceivableMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_IndustrialRevenueBondMember" name="IndustrialRevenueBondMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_PerformanceBasedRestrictedSharesMember" name="PerformanceBasedRestrictedSharesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_LoansSubjectToNormalMonitoringMember" name="LoansSubjectToNormalMonitoringMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_PerformingLoansSubjectToSpecialMonitoringMember" name="PerformingLoansSubjectToSpecialMonitoringMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_NonperformingLoansSubjectToSpecialMonitoringMember" name="NonperformingLoansSubjectToSpecialMonitoringMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_OtherLoanMember" name="OtherLoanMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_RecordedInvestmentMember" name="RecordedInvestmentMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_UpaidPrincipalBalanceMember" name="UpaidPrincipalBalanceMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cass_UnamortizedIntangibleAssetAbstract" name="UnamortizedIntangibleAssetAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cass_CreditExposureOfLoanPortfolioAxis" name="CreditExposureOfLoanPortfolioAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="cass_CreditExposureOfLoanPortfolioDomain" name="CreditExposureOfLoanPortfolioDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cass_SharebasedCompensationArrangementsBySharebasedPaymentAwardOptionOutstandingWeightedAverageRemainingContractualTerm" name="SharebasedCompensationArrangementsBySharebasedPaymentAwardOptionOutstandingWeightedAverageRemainingContractualTerm" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="cass_ReductionInAccruedInterestResultingFromSettlementsWithTaxingAuthoritiesAndOtherPriorYearAdjustments" name="ReductionInAccruedInterestResultingFromSettlementsWithTaxingAuthoritiesAndOtherPriorYearAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_ReductionInIncomeTaxExpenseAsResultOfAdoptionOfNewAccountingPronouncement" name="ReductionInIncomeTaxExpenseAsResultOfAdoptionOfNewAccountingPronouncement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cass_CommonStockDividendRatePercentage" name="CommonStockDividendRatePercentage" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cass_AdditionalShareOfCommonStockReceivedOnPerUnit" name="AdditionalShareOfCommonStockReceivedOnPerUnit" nillable="true" xbrli:periodType="instant" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="cass_PercentageOfCashDeividendApplyAfter" name="PercentageOfCashDeividendApplyAfter" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
</schema>
