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CSB would like to offer our specialized
business cash management services to you. These services are
tailored to your needs, from a small family buisness to a
large multilocation enterprise.
We will bring to your place of buisness a complete analysis
of bank accounts with recommendations to make sure you are
in the right mix of products to best suit your needs. Whether
your accounts are at CSB or another financial institution,
allow us to provide this service to you.
CASH MANAGEMENT PRODUCTS
Affordable buisness checking accounts and a variety of savings
plans:
Investment opportunities, including a sweep product for those
who qualify.
CSB SWEEP SERVICE
An excellent option for corporate customers who maintain
a high average balance in a CSB checking account. Excess funds
from your checking account are swept daily into an interest-earning
repurchase agreement. A repurchase agreement is not a deposit
of The Commercial & Savings Bank and is not insured by
the FDIC. However, CSB will pledge securities we own to you
as collateral. This will allow your liquid funds earn interest.
If you have a Line of Credit with CSB, we are also able to
transfer funds directly between your Line of Credit and checking
account.
ACCOUNT ANALYSIS
This service offers a way to possibly reduce your account
fees. We take into consideration your balances in all of your
checking accounts at CSB to offset fees. See us for complete
details.
COURIER SERVICES (subject to approval)
This service is offered to large loan and deposit business
customers that do not have a CSB Banking Center located near
their place of buisness. CSB's courier service will pick up
deposits directly from your buisness. Currency orders can
also be placed when using our courier service.
SPECIAL SERVICES
CORPORATE VISA & MASTERCARD
(subject to approval)
CSB Visa & MasterCard provides our corporate customer
the convenience of cash day or night throughout the world.
Your card is readily accepted for purchases where checks
are not and may be used to access cash at ATMs.
MERCHANT CREDIT CARD SERVICES
CSB's Merchant Credit Card Services allows your business
to accept credit and debit cards for payment from your
customers. Allow us the opportunity to quote you our fees.
We believe you will find them very reasonable.
BUSINESS ATM/DEBIT CARD (subject
to approval)
A Commercial & Savings Bank Business ATM/Debit Card is a
card that works like a check. As purchases or withdrawals
are made with the card, money is deducted directly from your
business checking account. CSB Business ATM/Debit Cards can
be a powerful tool for your business, offering the accessibility
and control necessary to take care of business anytime, anywhere.
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ATM/Debit Card activities appear on your monthly statements,
eliminating cash transactions that are often overlooked |
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You may assign up to ten (10) additional cards to your employees, giving
them the power to complete point of sale transactions, ATM transactions, or both |
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The card can be de-activated immediately if lost or stolen and you are not
responsible for any unauthorized purchases |
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There are no annual fees or interest charges |
OVERDRAFT PROTECTION SERVICES (subject
to approval)
For worry-free checking, add one or more of our Overdraft Protection Services to your account.
Should an overdraft occur, CSB automatically and confidentially pays your overdraft by using
one or more of the following:
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Savings
Overdraft Protection Sign up for this service and
we will automatically cover any overdrafts by transferring
funds from your CSB savings account(minimal fee applies).
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Overdraft Protection
Credit Line Apply for this service, and if approved,
you will be granted a Line-of-Credit loan that can be
used to cover overdrafts up to your credit line limit.
The daily payback feature of this service assures that
a minimum amount of interest is paid. |
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Overdraft Privilege
This service is available for business accounts that use
a personal taxpayer identification number and is automatically
assigned to qualifying accounts. Rather than the possibility
of returning unpaid, insufficient fund items, we will
consider payment of your reasonable overdrafts up to your
assigned limit (per item fee applies). |
You may use one, two or all three of the services. If you choose
more than one overdraft protection service, they would work
in the following order:
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Savings Overdraft Protection |
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Overdraft Protection Credit Line |
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Overdraft Privilege |
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