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BUSINESS CHECKING
Minimum deposit to open account..... $50.00
The fees for Business Checking are $5.00 monthly fee, $.10
per debit item, $.10 per transit item deposited, $.05 per
CSB item deposited. To provide all business checking customers
an opportunity to lower or avoid monthly service charge fees,
CSB will provide an earnings credit tied to the account balance.
The earnings credit is subject to change and will be based
on market conditions and established by CSB.
BUSINESS VALUE CHECKING
Minimum deposit to open account..... $50.00
The perfect checking account if you are a business customer
who writes just a few checks and makes just a few deposits
each month.
Low monthly fee of $5.00 - no per item fees when fewer than
100 items per month. Items would include both checks written
and items deposited during the statement cycle. When over
100 items, a $.25 per item fee will be charged.
Using a Business Debit Card 10 times per month or maintaining
a minimum account balance of $5,000 can waive the low monthly
fee.
BUSINESS INTEREST CHECKING
Minimum deposit to open account..... $1,000.00
Available to sole proprietors, public funds and nonprofit
organizations, you can earn interest and write as many checks
as you please without a transaction fee. When the balance
falls below $1000.00 on any day during the month (statement
cycle), you will not earn interest while under the minimum
and a $10.00 monthly fee will be assessed.
** An early closing fee of $25.00 will apply to all checking
accounts that are closed within 90 days of the opening date.
PRESTIGE INTEREST CHECKING
Free Xpress
BillPay Included!
Minimum deposit to open account.... $5,000.00
A special checking account
designed for sole proprietors, public funds, nonprofit corporations
and organizations that maintain a higher balance. Interest
rates are tierd and tied to the balance in your account. The
higher your balance, the higher the interest rate! This account
enables the holder to keep funds liquid while earning a competitive
interest rate.
As a Prestige Interest Checking
customer, you will also be entitled to a host of other benefits,
which include free specialty checks and cover, free official
checks and free BillPay.
For Those that like to use
a ATM/Debit card, we will waive out $1.00 foreign ATM fee
for up to ten (10) withdrawls and four (4) deposits per monthly
statement cycle (other banks' surcharge will still apply.)
If your balance falls below
$5,000.00 on any day during the month (statement cycle), you
will not earn interest while under the minimum and a $20.00
monthly fee will be assessed.
BUSINESS ATM/Debit Card
The Commercial and Savings Bank Business ATM/Debit Card is
a powerful tool that offers the convenience and control you
need to take care of business banking and purchasing needs,
anytime, anywhere.
In business, it's the card that works better than checks or
cash. You can use your CSB Business ATM/Debit Card to pay
directly from your business checking account everywhere VISA®
is accepted. And best of all, there are no annual fees or
interest charges.
Your monthly statement displays all CSB Business ATM/Debit
Card account activity, giving you more control over expenses
than cash and eliminating check writing and handling errors.
What's more, your CSB Business ATM/Debit Card lets you separate
personal from business purchases to help you manage your cash
flow.
NON-PROFIT/
Tax Exempt
In support of our local nonprofit/tax exempt organizations,
we offer a checking account and do not charge a monthly basic
fee or transaction fees. Organizations are required to provide
a copy of their Federal Tax Exempt form to be eligible for
this free account.
SWEEP SERVICES
Available for our corporate checking account customers,
CSB's electronic sweep service provides the convenience and
interest you deserve. An excellent service for our corporate
customer that averages over $100,000 in a checking account.
On a daily basis, CSB will sweep excess funds from your checking
account to an interest earning repurchase agreement.
A repurchase agreement is a method of investing money overnight.
Securities owned by CSB are used as collateral to guarantee
the safety of the invested funds.
A repurchase agreement is not a deposit of The Commercial
and Savings Bank, and is not insured by the FDIC. However,
CSB will pledge securities we own to you as collateral.
The Commercial and Savings Bank reserves the right to accept
deposits from its local market area. No brokered deposits.
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