Cash Management

By clicking on the Personal Credit Card application button above, you acknowledge that you have read and do agree to the disclosures listed below. Print these terms and conditions and retain a copy for your future reference. Please print the application and submit through postal service or drop off at any CSB Banking Center location.

PERSONAL VISA® / MASTERCARD® AGREEMENT
Please review the following terms and conditions for a personal CSB credit card.

CREDIT DISCLOSURE
Classic 
Gold
Platinum
Annual Percentage Rate (APR) for purchases
17.90%
13.90%
12.00%
Other Annual Percentage Rates (cash advances and balance transfers) 1, 2
17.90%
13.90%
12.00%
Grace period for repayment of balances for purchases You have 25 days to repay your balance for purchases before being charged a finance charge.
Method for computing the balance for purchases Average Daily Balance (including new transactions)
Annual membership fee
NONE
Minimum finance charge
NONE
Transaction fee for purchases
NONE
Transaction fee for cash advances
3.0% or $5.00 minimum
Balance transfer fee
NONE
Late payment fee 1
$19.00 if balance is $100 or less; $34 for balances between $100.01 and $1,000 and; $39.00 on balances over $1,000
Over-the-credit-limit fee 2 $29.00
Returned check, ACH or Autopay Fee
$29.00

1   No "Penalty APR" is imposed for late payments.                              
2   No "Penalty APR" is imposed for exceeding your credit limit.

The information about the costs of the cards described in the above table is accurate as of March, 2008 , when it was created. This information may have changed after that date. To find out what may have changed, call or email us at:
The Commercial & Savings Bank
P.O. Box 232
Millersburg, Ohio 44654
330-674-9015 or 1-800-654-9015
Contact Webmaster

You should receive your Visa® or MasterCard® within three weeks upon receipt of your completed application and approval through normal credit requirements.

Our online applications are saved in .PDF format and require Acrobat® Reader® to view and print. To download a free version of Acrobat® Reader®, click on the icon to the left. Upon clicking the link, you will be leaving the CSB website. CSB is not responsible for any content or incorrect information you may encounter. Contact our Web Master if you prefer to have an application mailed to you.

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