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Privacy Policy

What does The Commercial & Savings Bank do with your personal information?


Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and account balances
  • Payment history and transaction history
  • Credit history and credit scores

When you are no longer our member, we continue to share your information as described in this notice.


All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons The Commercial & Savings Bank chooses to share; and whether you can limit this sharing.

When we do share your personal information

  • For our everyday business purposes-such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
  • For our marketing purposes - to offer our products and services to you
  • For joint marketing with other financial companies

When we do not share your personal information

  • For our affiliates’ everyday business purposes-information about your transactions and experiences
  • For our affiliates’ everyday business purposes-information about your creditworthiness
  • For non-affiliates to market to you

Who we are

Who is providing this notice? 
The Commercial & Savings Bank

What we do

How does The Commercial & Savings Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. 

How does The Commercial & Savings Bank collect my personal information?
We collect your personal information, for example, when you:
  • Open an account or apply for a loan
  • Use your credit or debit card or make deposits or withdrawals from your account
  • Provide employment information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit sharing?
Federal law gives you the right to limit only:
  • sharing for affiliates’ everyday business purposes-information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.


Companies related by common ownership or control. They can be financial and non-financial companies. The Commercial & Savings Bank does not share with our affiliates.

Companies not related by common ownership or control. They can be financial companies and nonfinancial companies. The Commercial & Savings Bank does not share with non-affiliates so they can market to you.

Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit/debit card companies and investment companies.

Revised 04/2017


Funds Availability Disclosure

Your Ability to Withdraw Funds

Our policy is to make funds from your deposits available to you by the second business day after the day we receive your deposit. Once the funds are available, you can withdraw them in cash and/or we will use them to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. Our cut-off hours are as follows:

  • 5:00 p.m. Monday – Thursday at all CSB Banking Center locations
  • 6:00 p.m. Friday at all CSB Banking Center locations
  • 12:00 p.m. at all proprietary ATM locations
  • As posted at all non–proprietary ATM locations

If you make a deposit before our cut–off hour on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cut–off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Depositor’s Responsibility

We may make funds from deposited checks available to you before the funds are collected. You are still responsible for any deposited checks that are returned unpaid and for any other problems concerning your deposit, even if you have already withdrawn the funds from your account.

Reservation of Right to Hold

In some cases, we may not make all the funds that you deposit by check available to you by the second business day after the day of your deposit. The first $225 of your deposit, however, will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available.

During the delay (hold period), the funds are “unavailable”, and therefore you may not withdraw the funds. If checks are presented or withdrawals are made against “unavailable funds,” a per-item penalty charge may be assessed to your account. The checks may be honored and withdrawn from your account or the checks may be returned unpaid.

Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

  • Your deposit checks totaling more than $5,525 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • The bank has grounds for believing a check you deposit will not be paid.
  • There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Special Rules for New Accounts:

If you are a new account customer, the following special rules may apply during the first 30 days your account is open:

  • Funds from electronic direct deposits will be available on the day we receive the deposit. Funds from deposits of the first $5,525 of a day’s total deposits of cashier’s checks, certified, teller’s, traveler’s, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than U.S. Treasury checks) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit.
  • Funds from all other check deposits will be available no later than the 15th business day after the day of your deposit.

Holds on Other Funds:

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

Revised 07-2020

Overdraft Privilege Service Policy

The Commercial & Savings Bank (“we, us or our”) offers Overdraft Privilege Service. If an account qualifies for Overdraft Privilege, we will consider, without obligation on our part, paying items for which an account has insufficient or unavailable funds, instead of automatically returning those items unpaid. 


An overdraft occurs when a customer does not have enough money in their account to cover a transaction. Although there are many reasons why an account might become overdrawn, most overdrafts result from the following:

  1. A customer writes a check, swipes a debit card or initiates an electronic funds transfer in an amount that exceeds the amount of funds available in their account;
  2. A customer deposits a check or other item into their account and the item is returned unpaid, which causes a negative balance in the account once the balance is reduced by the amount of the returned check;
  3. A customer has inadequate funds in their account when we assess a fee or service charge; or
  4. A customer initiates a transaction before funds deposited into their account are "available" or "finally paid" according to our Funds Availability Policy.

For example, if a customer deposits a check into their account, the proceeds of that check may not be available for up to two business days after the deposit of the check. If a customer does not have sufficient funds in their account—independent of the check—to cover the transaction, they will incur an overdraft.

The Overdraft Privilege Service applies to a variety of transactions, including checks and other transactions made using a checking account number, automatic bill payments, ATM transactions and everyday debit card transactions; however, we will not include ATM and everyday debit card transactions within our Overdraft Privilege Service without first receiving affirmative consent to do so. Absent an affirmative consent, ATM and everyday debit card transactions generally will be not be paid under Overdraft Privilege.


Participation in Overdraft Privilege is not mandatory. Customers may opt-out of the service any time by notifying one of our service representatives. Furthermore, customers may revoke their affirmative consent to have ATM and everyday debit card transactions considered for payment under Overdraft Privilege without removing other items from the service. It is important for customers to consider there is no additional cost for the Overdraft Privilege Service and that by opting out they are instructing us to return items presented against insufficient funds. If they opt out of the Overdraft Privilege Service, they will still be charged our standard overdraft fee. Customers receiving Social Security, federal direct deposit, or any other entitlement benefit must opt out if they do not want CSB to apply those funds to pay an overdraft.

As noted above, we retain full discretion to decline to pay any item under the Overdraft Privilege Service. This means we can refuse to pay any overdraft for any reason. Even if we decide to pay an overdraft item, absent an agreement to the contrary, such payment does not create any duty to pay future overdrafts. If we do not authorize and pay an overdraft, the transaction will be declined and we may assess fees on the account in accordance with the account agreement and the fee schedule in effect at the time of the overdraft.


For each item we pay in excess of the account balance, we will charge the standard per item fee set forth in our fee schedule. We will mail customers a written notice unless the customer has opted thru online banking to receive an e-notice if we pay or return any insufficient or unavailable funds items on the account; however, we have no obligation to notify customers before we pay or return any item. The amount of any overdrafts, including our fees, is due and payable immediately or on demand.

If there is an overdraft paid by CSB on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts including our fees. 


This discretionary service will generally be limited to the following eligible account types and limits:

  • $500 for Value Checking 
  • $500 for 55 Plus Checking
  • $750 for Interest Checking
  • $1,000 for Prestige Interest Checking
  • $750 for Business Checking and Business Value Checking (available on accounts using a personal social security number for tax reporting purposes)

It should be noted that per item overdraft fees count toward the customer’s Overdraft Privilege limit. We may in our sole discretion limit the number of accounts eligible for Overdraft Privilege to one account per household or per taxpayer identification number. Further, Overdraft Privilege is usually extended only to accounts in good standing. An account in good standing exhibits, but is not limited to, the following characteristics:

  1. The account has been open for at least sixty (60) days;
  2. The account has deposits totaling at least $500 within a thirty (30) day period;
  3. The account demonstrates consistent deposit activity;
  4. The account owner is current on all loan obligations with us; and
  5. The account is not subject to any legal or administrative order or levy, such as bankruptcy or tax lien.


We offer other overdraft protection services in addition to Overdraft Privilege. These include an Overdraft Line of Credit and overdraft protection linked to another account, such as a savings account. If you apply and are approved for the line of credit or set up savings overdraft, you may save money on the total overdraft fees you pay us. 

Overdrafts should not be used to pay ordinary or routine expenses and you should not rely on overdrafts as a means to cover these expenses. If at any time you feel you need help with your financial obligations, please call or visit a CSB banking center to talk to one of our personal bankers.


The Overdraft Privilege Service is available only for eligible checking accounts that are maintained in good standing as defined above. Savings Type Accounts, Money Market Accounts, Public Fund/Charitable Organization Accounts, Health Savings Accounts, Certain Trust Accounts, and Minor Accounts not of legal age are not eligible for this service. The Bank may, in our sole option and discretion, limit the number of checking accounts eligible for Overdraft Privilege to one account per household and/or one account per taxpayer identification number.

Revised 09/2020

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General Fee Schedule

ATM/Debit Card Replacement for Lost Card: $5.00

Check Cashing (Charged to non-customers only): $10.00

Checking & Savings Early Closing (Within 90 days of opening account): $40.00

Christmas Club Early Closing & Per Withdrawal Penalty: $10.00 

Coin Service (Charged to noncustomers only)

Coin Counting: $.12 per $1.00

Coin Purchasing (Rolled coin): $.25 per roll

Collection Items

Canadian Checks Deposited 

(In U.S. dollars): $10.00 per check

(In Canadian dollars): $10.00 per check

All Other Foreign Checks: Correspondent Bank Fee + $10.00 per check

Levy/Garnishments/Subpoena: $50.00 + $.25 per page

Withholding Order: $5.00 per occurrence

Counter Checks: $1.00 per check

Dormant Account: $5.00 per month after notification

Dormant Account Escheat Fee if Sent to State: $25.00

Excess Debit Fee (fee for each transfer and/or withdrawal in excess of six (6) per monthly statement cycle in money market and savings accounts in accordance

with Regulation D limits): $2.00 per excess debit

Facsimile (Fax): $3.00 first page

Additional Pages: $1.00

Foreign Currency Purchase or Exchange: $20.00 + Correspondent Bank Fee

Health Savings Account Special Circumstances:

Corrected IRS Filing (Conducted by CSB on your behalf): $25.00

Excess Contribution Distribution (Conducted by CSB on your behalf):$25.00

IRA Early Closing of Plan (New customer closed within one year of opening): $50.00

Lost Passbook Replacement: $5.00

Night Depository Bag with Key: $25.00 per bag

Notary Service (Charged to noncustomers only): Maximum allowed by law

Official Checks

Cashier’s Check: $8.00

Money Order: $5.00 

Noncustomer (Money Orders Only): $8.00

Money Order Stop Payment Fee: $32.00

Overdraft Paid & NSF Return Items: $32.00 per item

Photocopies: $1.00 per copy

Research: $25.00 per hour

Returned Deposit Item or Returned Cashed Check: $10.00

Safe Deposit Boxes (Contact your local CSB Banking Center for prices and availability)

Loss of Safe Deposit Box Key or Drilling of Box: Locksmith Fee

Signature Guarantee: $10.00

Special Handling (Two signatures required on account, etc.): $5.00 per month

Statement Balancing (When you request CSB to assist): $25.00 per hour

Statement Copy (If you need a replacement issued): $5.00

Stop Payment: $32.00

Through CSB Online Banking: $25.00

Wire Transfers:

Outgoing Wire: $25.00

Through CSB Online Banking: $20.00

International Wire: 

(In U.S. Currency): $40.00

(In Foreign Currency):$40.00

Incoming Wire: $15.00

Noncustomers: $30.00


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eStatement and eNotice Agreement & Disclosure Statement

Welcome to CSB's eStatement Delivery Service. Our goal is to provide you with an easy, safe, and convenient way to receive your periodic Bank Statement.

Definitions. The words "we," "us," and "our" mean CSB and the words "you" and "your" mean you, the individual(s) or entity identified on the account as the owner or authorized signer as the account holder on the Account(s). As used in this Disclosure, "Account" means the account you have with us. "Communication" means any periodic statement, customer agreements or amendments thereto, authorization, monthly billing, agreement, disclosures, notices, privacy policies, and all other information related to your Account, including but not limited to information that we are required by law to provide to you in writing.

Scope of Communications to Be Provided in Electronic Format. When you select "Accept" with respect to an Account, you agree that we may provide you with any Communications relating to that Account in electronic format, and that we will discontinue sending paper Communications to you, unless you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

  • Monthly periodic bank statements
  • Initial disclosures or agreements for your Account or associated payment features
  • Periodic disclosures or monthly billing statements for your Account
  • Notices or disclosures about a change in the terms of your Account or associated payment feature
  • Privacy policies and notices
  • All legal and regulatory disclosures and communications associated with your account

Method of Providing Communications to You in Electronic Form. All communications that we provide to you in electronic form will be provided either (1) via e-mail at the e-mail address you specified on your eStatement Enrollment, (2) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose.

How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form for any of your accounts by:

  • Logging onto Online Banking via
  • Sending us an e-mail at
  • Contacting us at 330.674.9015 or 800.654.9015
  • Informing us in person at any of our Banking Centers
  • Sending us a letter mailed to: The Commercial & Savings Bank, 91 North Clay St. P. O. Box 232, Millersburg, OH 44654

 At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic Communications.

Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

How to Update Your Records. It is your responsibility to provide us with true, accurate, and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through your Online Banking Service or by contacting us at 330.674.9015 or 800.654.9015.

Hardware and Software Requirements. In order to access, view, and retain electronic communications that we make available to you, you must have:

  • A device with Internet connectivity
  • Available hard disk space of at least 10 Megabytes
  • A computer pointing device such as a mouse, trackball or touchpad
  • A current version of a graphical user interface operating system, such as, Windows or Apple’s MacOS
  • Adobe Acrobat Reader DC
  • A 256-bit encryption SSL (Secure Socket Layer) compatible browser
  • A JavaScript enable browser
  • A computer monitor capable of displaying Internet Web pages and graphics
  • A Printer if you wish to retain E-Documents in printed form

Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of any Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such a request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us in writing at: The Commercial & Savings Bank, 91 North Clay St., Millersburg, OH 44654 or call us at 330.674.9015 or 800.654.9015. We will charge you a fee of $5.00 for the delivery of each paper copy of any Communication provided to you electronically pursuant to your authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

Authorization. By accepting below you are acknowledging receipt of the terms and conditions contained in the CSB eStatement Agreement to which you agree to be bound. By accepting below, we will discontinue mailing printed deposit account statements on all accounts where you are identified as owner or account holder to your address of record once you choose to receive eStatements. Future statements will be available on a secured website which you may access to obtain, review, print, and copy/download your periodic statements. Each month we will send an e-mail notice to the e-mail address associated with your account advising you of the availability of your eStatements.

If your account is joint with another person, one of you may consent to receive disclosures electronically and that person's election to receive eStatements shall apply to both of you. We will send the notice regarding the availability of your eStatements to the e-mail address of the customer who has asked for eStatements.

You must promptly access/review your eStatement and any accompanying items and notify us in writing within the applicable time period specified in your deposit account agreement of any error, unauthorized Transaction, or other irregularity. If you allow someone else to access your statement, you are still fully responsible to review the statement for any errors, unauthorized transactions, or other irregularities. Any applicable time periods within which you must notify us of any errors on your account statement(s) begin on the Statement date regardless of when you receive and/or open the eStatement.

Upon receipt of any periodic statement, you agree to review the statement for any discrepancies, errors or unauthorized transfers and report them promptly, and in no event, later than 60 days after the statement date. In addition, you shall notify the Bank immediately if you learn of or discover, from any source, the possibility of error or lack of authority in the transfer of funds.

Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.

Agreement Controls/Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the Federal Electronic Signatures in Global and National Commerce Act, (also referred to as E-Sign Act) and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Terminations/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Revised 04-2019

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Social Media Community Guidelines

At The Commercial & Savings Bank (CBS) we know clear communication is the foundation of all solid relationships. That is why we are excited to connect with all of you through social media. 

Our Facebook page is public, meaning anyone can see your photos on Facebook and your posts may show up in search engine results. While we want to foster healthy discussion, we may occasionally remove posts that don’t fit our community guidelines. 

The Commercial & Savings Bank reserves the right to not make certain types of comments, posts, and information public within our social media. We may remove, hide, or delete any posts that violate our guidelines or terms and conditions.

Be respectful 

We are delighted to engage in conversations and welcome honest, open feedback; however, please refrain from using obscenities, profanity, or making any comments that are illegal, offensive, abusive, defamatory, or harmful. Be polite and kind. 

When in doubt put your comments to the test. What you post should meet the following criteria:

THINK before you post
  • True
  • Honest
  • Informative
  • Necessary
  • Kind
Protect yourself and your identity

To protect your identity, don’t post any non-public information. Never share your social security number, account numbers, online banking information, debit or credit card numbers, or otherwise sensitive information. We will never ask for personal information through social media.

Please be respectful of the privacy of our employees, customers, shareholders, or other stakeholders. Our employees are people you know by name, who live right within the communities we serve. Please keep the same privacy rules in mind, and refrain from posting any personally identifiable information about our colleagues.

Be constructive

We know your helpful feedback and good dialogue are vital to improving your experience with us. If you have an important issue you would like to discuss, we are happy to help. We look forward to responding to constructive, thoughtful posts and comments made on our social pages. If you have a specific issue, please feel free to contact us directly at 1.800.654.9015, or stop by one of our banking centers where we will happily assist you in person. 

Stay legal

Do not post or transmit material you do not have rights to under law (such as copyright, trade secrets or securities) or due to your personal contractual or fiduciary relationships. Do not post content that you don’t own. If your own copyrighted work has been posted to our site without your permission, please contact CSB immediately. 


We expect conversations to follow the rules of polite discourse and we ask that participants treat each other, as well as our employees, with respect. We may delete comments we deem to be off topic, including solicitations. In addition, we may remove identical posts by the same user or multiple users (a group of people sending identical messages or one person submitting under different aliases). We will leave the first submission and delete the duplicates.

Monitoring + Contacting Us

We work diligently to monitor all of our social media channels daily, during the hours of 8 a.m. – 8 p.m. Monday – Friday, with the exclusion of all bank holidays. While we may respond after normal business hours, we cannot guarantee we will be able to resolve issues until the following business day. 

For issues concerning your personal accounts, you can contact our customer service team. We are always ready to help with any account questions or issues you have via phone at 1.800.654.9015, or in our banking centers. 

If you have a specific media issue, please email our social media team at

CSB Colleagues on Social 

CSB’s colleagues are required to self- identify if posting about CSB-related items. Colleagues should refer to the Social Media Policy in their Employee Handbook for more guidelines. 

The official voice of The Commercial & Savings Bank is the social media page owner, posting as The Commercial & Savings Bank. If you feel someone is posting falsely as CSB, please contact our social media team at

Moderation Policies

Our Facebook page is a place for conversations between and among individuals, and is not a substitute channel for services or general questions. Please visit for more information about specific products and services.

Our Facebook page may not be used for the submission of any claim, demand, informal or formal complaint, or any other form of legal and/or administrative notice or process, or for the exhaustion of any legal and/or administrative remedy.

Our Facebook page is also not to be used to report phishing or criminal activity. Suspicious e-mails should be forwarded to 

If you would like to file a report, please call 1.800.654.9015 and we will assist you.

CSB reserves the right to ban any user from our page without prior written notice or consent for violations of community policies. Any comment(s) posted which we deem to be criminal in nature, or instigates or implies violence toward oneself or another may be reported to the proper authorities.


Full Terms and Conditions

By commenting, posting, viewing, accessing, or in any way participating in our social media communities, you agree to our terms and conditions. These may change and any alterations to these terms and conditions will be posted to our sites. Do not use any CSB sites if you do not agree with our terms. 

Third Party Sites

From time to time CSB will post links to third party sites if we think the information is relative and informative for our customers. If you choose to visit one of these sites, we do not guarantee the content’s accuracy or that it is free of copyright or trademark infringements. CSB is not responsible for any viruses your device may receive from third party sites. 

Governing Law

Any disputes or claims connected with any CSB sites, terms, or conditions will be governed in congruence with the laws of the State of Ohio. 

Liability Disclaimer 

CSB is not responsible for any damages or losses occurring during use or inability to use our site. By choosing to visit any CSB related platforms, you agree that CSB, its employees, officers, or agents are not responsible for any injuries, losses, damages, expenses, and liabilities from claims stemming from any breach of these terms. 

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CSB Online Banking Agreement and Disclosure Statement

This agreement states the terms and conditions that apply when you use CSB Online Banking service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. Strict adherence to all of CSB instructions and procedures applicable to the services covered by this agreement is required. “You” and “your” mean each person who establishes a CSB Online Banking Customer Account with us or who uses or is authorized to use a CSB Online Banking identification number and password or other means of access we establish or approve. The term “CSB Online Banking” means the CSB service that allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer and modem, mobile devices, and/or other means CSB authorizes or allows.


To access CSB’s Online Banking service, you must use the identification number and/or other means of access CSB establishes or provides for your CSB Online Banking Account, together with a password. Anyone to whom you give your CSB Online Banking identification number and password or other means of access will have full access to your accounts, even if you attempt to limit that person’s authority. CSB Business Online Banking allows businesses to appoint an Administrator for their CSB Business Online Banking account. The Administrator has full access to the accounts requested by the business to be viewable through CSB Business Online Banking. The Administrator is authorized to give access and authority levels to other users of the business according to the individual business’ policies.


You must be an owner or authorized signer on an account to access it through your CSB Online Banking. Accounts that require more than one signature for withdrawals will be displayed to view only; no transfer “from” capabilities will be allowed for these accounts. Accounts for organizations, associations, clubs, businesses (except in DBA cases), public funds and other such entities are not permitted to be commingled with personal accounts of the officers or agents.


You, or someone you have authorized by giving them your CSB Online Banking identification number and password or other means of access (even if that person exceeds your authority), may instruct us to perform the following transactions: 

  • Make transfers between your qualifying accounts to the extent authorized; 
  • Obtain information that we make available about your qualifying accounts; 
  • Obtain other services or perform other transactions that CSB authorizes 
  • Create a payment to any business or person through the Online BillPay portion of CSB Online Banking; and
  • CSB Business Online Banking ID and Password can allow access to ACH, Wires, Positive Pay and Remote Deposit Capture.


You must have enough available funds in any account from which you instruct us to make a payment or transfer. If any of your designated accounts are savings accounts, certain restrictions on the types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any specified period. The specified period for savings accounts is the monthly statement period. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement. You also agree to the “Terms & Conditions of Your Deposit Account” that you received when you opened your deposit account. You may request another copy of the “Terms and Conditions of Your Deposit Account” at any time. CSB Business Online Banking customers will also have limits on the total daily amount allowed to be processed through Wires and ACH on a daily basis according to the Recurring Wire Transfer Agreement and/or ODFI- Originator Agreement on file with CSB.


If CSB does not complete a payment, ACH transaction, Wire or transfer on time or in the correct amount according to our agreement with you, CSB may be liable for your losses or damages. However, there are exceptions. CSB WILL NOT be liable for the following: 

  1. If, through no fault of CSB, you do not have enough available money in the account from which a payment, ACH transaction, wire or transfer is to be made, or if the account has been closed or is not in good standing, or if CSB reverses a payment or transfer because of insufficient funds; 
  2. If any payment or transfer would go over the credit limit of any account; 
  3. If your equipment or CSB’s was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction; 
  4. If you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit/debit your account or otherwise complete the transaction; 
  5. If you do not properly follow CSB’s instructions or if you provide CSB with wrong or inaccurate information or fail to correct or tell CSB about any inaccuracy of which you are aware; 
  6. If you do not instruct CSB soon enough for your payment, ACH transaction, wire or transfer to be received and credited by the time it’s due; 
  7. If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim that would restrict the transaction; 
  8. If circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that CSB has taken; 
  9. If the amount to be processed through CSB Business Online Banking’s ACH or Wire service is in excess of the daily limit agreed to in the recurring Wire Transfer Agreement or the ODFI Originator Agreement.


CSB Online Banking service is generally available 24 hours a day, 7 days a week. However, CSB will only process transactions and update information on business days. CSB’s normal business days are Monday through Friday (Federal Holidays are not included). Transfers made after 6:00 p.m. Monday through Friday will normally be processed on the next business day. Our Online BillPay service is generally available 24 hours a day, 7 days a week. CSB will process payments two times during a business day. Payments are processed at approximately 8 a.m. and 3 p.m. each business day, and can be modified or deleted any time prior to processing. Our CSB Business Online Banking service is available 24 hours a day, 7 days a week, upon written request. However, the initial restrict access time is defaulted from 6:00 a.m. to 8:00 p.m. Monday through Saturday. CSB will process ACH transactions initiated before 3:00 p.m. Monday through Friday (Federal Holidays are not included) on a daily basis. CSB customers have the capability of transmitting the file one (1) business day prior to the effective date. When transmitting the file one (1) business day prior to the effective date, CSB cannot guarantee the availability of funds on the effective date at the receiving institution. Wires will need to be initiated by 2:00 p.m. for one time and recurring wire transfers.


Your Online Banking transfers, ACH transaction, Wires and payments will be indicated on the monthly statements CSB provides or makes accessible to you for your Online Funding Account. You agree to notify CSB promptly if you believe there are any errors or unauthorized transactions on any statement, or if you change your address. Failure to notify CSB in a timely manner could result in the loss of your ability to have errors or unauthorized transactions corrected.


You, as a customer, agree to the terms of this CSB Online Banking account & any service charges that may be imposed. You authorize the deduction of these charges directly from the account balance. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your CSB Online Banking identification number and password or other means of access and want to terminate that person’s authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person. The CSB Business Online Banking Administrator is authorized to remove user’s authorization level, flag the user as “Held” or have the ID and password for the business changed as needed. All users added to CSB Business Online Banking will only have access to the ID once the Administrator contacts CSB verifying a new user was added.


If you believe your CSB Online Banking identification number or password or other means of access have been lost or stolen, or that someone has used them without your authorization, please do the following: 

During Normal Business Hours: Call us immediately at 330.674.9015 or 800.654.9015 

After Normal Business Hours: E-mail us through our Website at 

CSB Business Online Banking users should contact their Administrator to have their CSB Business Online Banking ID and password reset. The administrator may contact CSB for additional help with lost ID, Password or locked account. Immediately phoning CSB is the best way of reducing your possible losses. CSB understands there is no guarantee that e-mail will always arrive at its intended destination. Never send your account, social security, or identification numbers or password with your e-mail. Your name, address, phone number, and a brief message as to what problem you are having, is all we will need to proceed.


Your enrollment in the CSB Online Banking Service may include access to some products and services through most mobile devices. You can download the CSB Mobile Banking application for iOS or Android devices. CSB does not guarantee that your device or mobile phone service provider will be compatible with CSB Mobile Banking. We reserve the right to modify the scope of the CSB Mobile Banking Services at any time. By using the CSB Mobile Banking Services, you agree to the following terms. You agree that we may send you information relative to CSB Mobile Banking Services through your communication service provider in order to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to the CSB Mobile Banking Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. CSB will not be liable to you for any losses caused by your failure to properly use CSB Mobile Banking or your Wireless Device. You agree that when you use CSB Mobile Banking you will remain subject to the terms and conditions of all your existing agreements with CSB. You also agree that you will be subject to the terms and conditions of all your existing agreements with your mobile service carrier or provider (i.g. AT & T, Verizon, Sprint, T-mobile, etc.) You understand that those agreements may provide for fees, limitations, and restrictions which might impact your use of CSB Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with CSB Mobile Banking, including while downloading the CSB Mobile Banking Application, sending or receiving text messages, or other use of your Wireless Device). You agree to be solely responsible for all such fees, limitations, and restrictions. If you use any location-based features of CSB Mobile Banking you agree that your geographic location and other personal information may be accessed and disclosed through CSB Mobile Banking. If you wish to revoke access to such information you must cease using location-based features CSB Mobile Banking Services are provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. You understand and agree these services may not be encrypted and may include personal or confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the CSB Mobile Banking Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the CSB Mobile Banking Services. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. You are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions provided by your communication service provider or any app store.


Mobile phones and other devices with Internet capabilities are susceptible to viruses. You are responsible to ensure that your device is protected from and free of viruses, worms, Trojan horses, or other similar harmful components which could result in damage to programs, files, and/or your phone or could result in information being intercepted by a third party. CSB will not be responsible or liable for any indirect, incidental, special or consequential damages which may result from such viruses. You agree to take every precaution to ensure the safety, security, and integrity of your account and transactions when using CSB Mobile Banking. You agree not to leave your mobile device unattended while logged into CSB Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide any of your access information to any unauthorized person. If you permit other persons to use your mobile device, login information or any other means to access CSB Mobile Banking, you will be held responsible for any transactions they authorize and we will not be liable for any damages resulting to you. We make no representations that CSB Mobile Banking will be available for use in locations outside of the United States. Accessing CSB Mobile Banking from locations outside of the United States is at your own risk.


Your enrollment in the CSB Mobile Banking Service includes access to mobile text messaging related services (collectively, "Text Services") and Alerts. By receiving or otherwise using these services, you agree to the following terms for these services. You agree that we may send messages through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. We may use a telephone number, e-mail address or other delivery location we have in our records for you or other such contact information as you may provide to us for these services so that we may send you certain information about your applicable account. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. You also understand that there may be a disruption in service when you change your communications service provider. Messages may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, or other parties. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the messages sent through the alerts and text services. The text services are only available to customers who have an eligible account with us, and you may be automatically enrolled to receive certain alerts. While you have to have an eligible account to use the service, once it is activated, if you have other types of accounts with us, you may have access to those other accounts as well. There is no service fee for the alerts and text services but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. Message and data rates may apply. Such charges include those from your communications service provider. Message frequency depends on user preferences. For additional assistance with the alerts and text services, contact CSB customer service at 800.654.9015.


CSB may amend this Agreement at any time by sending written notice either by mail or by providing you with that notice electronically. You may choose to accept or decline the change. By continuing to use CSB Online Banking and/or CSB Mobile Banking after the effective date stated in the notice, you are deemed to accept any and all changes, and agree to be bound by the provisions within the notice.


If you believe your mobile device, user name, password, or other approved access device has been lost or stolen, or that someone has transferred or may transfer funds from your account without your authorization, contact us AT ONCE at 800.654.9015. For additional information regarding your and our rights and responsibilities regarding unauthorized transactions, please review the applicable agreement(s) governing the affected deposit account.


In case of errors or questions about your deposit accounts or CSB Online Banking or CSB Mobile Banking services, contact our Customer Service Center at 800.654.9015.

By clicking “I agree,” I consent to the terms and conditions of The Commercial & Savings Bank Online Banking Agreement and Disclosure Statement. Furthermore, by clicking “I agree,” I acknowledge and agree that I am legally bound by this affirmative consent.

Revised 04/2019

CSB Mobile Remote Deposit Agreement

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This Mobile Check Deposit User Agreement (“Agreement”) contains the terms and conditions for the use of The Commercial and Savings Bank’s (“CSB”) Mobile Check Deposit and/or other remote deposit capture services that CSB or its affiliates (“CSB”, “us”, or “we”) may provide to you (“you” or “User”). Other agreements you have entered into with CSB, including the Internet Banking Agreement and Disclosure Statement, as applicable to your CSB account(s), are incorporated by reference and made a part of this Agreement.

1. Services

The mobile remote deposit capture services (“Services”) are designed to allow you to make deposits to your checking, savings, or money market savings accounts from home or other remote locations by scanning checks and delivering the images and associated deposit information to CSB.

2. Acceptance of these Terms

Your use of the Services constitutes your acceptance of this Agreement. The Agreement is subject to change from time to time. We will notify you of any material change via e-mail or on our website(s) by providing a link to the revised Agreement or by an online secure message. Your continued used of the Services will indicate your consent to be bound by the revised Agreement. Further, CSB reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.

3. Limitations of Service

When using the Mobile Deposit Service, you may experience technical or other difficulties that are outside the control of CSB or there may be times when Mobile Deposit service is not available. We will attempt to post alerts on our website or send you an e-mail or an online secure message to notify you of these interruptions in Service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the

qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.

4. Hardware and Software

In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by CSB from time to time. CSB is not responsible for any third party software you may need to use the Services. Any such software is accepted by you and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at the time of download and installation.

5. Fees

CSB may charge a per item or a per month fee. See your account fee disclosure for specifics. The account fee disclosure may be updated periodically throughout the life of your account.

6. Eligible Items

You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC (“Reg. CC”). When the image of the check transmitted to CSB is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code. Items that can be deposited are checks payable to the account owner or joint owners that haven been properly endorsed with “For Mobile Deposit OnlyAND the owners signature. NOTE: Any check that you attempt to deposit using your Mobile Device is subject to verification by CSB. We may reject any item for deposit for any reason and will not be liable to you. In such a case, you will need to deposit the item using other means, such as visiting a CSB Banking Center. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered INELIGIBLE items:

  • Checks payable to any person or entity other than the person or entity that owns the account that the check
  • is being deposited into.
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should
  • know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Reg. CC.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks not payable in United States currency.
  • Checks dated more than 6 months prior to the date of deposit.
  • Checks or items prohibited by CSB’s current procedures relating to the Services or which are
  • otherwise not acceptable under the terms of your CSB account.
  • Checks payable on sight or payable through Drafts, as defined in Reg. CC.
  • Checks with any endorsement on the back other than that specified in this Agreement.
  • Checks that have previously been submitted through the service or through a remote deposit capture service
  • offered at any other financial institution.
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
  • Checks that have been previously returned or re-deposited items.
  • Bonds.
7. Endorsements and Procedures

You agree to restrictively endorse any item transmitted through the Services as “For Mobile deposit only” AND your signature, or as otherwise instructed by CSB. You agree to follow any and all other procedures and instructions for use of the Services as CSB may establish from time to time.

8. Receipt of Items

We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive confirmation from CSB that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time; any item that we subsequently determine was not an eligible item. You agree the Bank is not liable for any loss, costs, or fees you may incur as a result of our charge back of an ineligible item.

9. Availability of Funds

In general, any item transmitted, received and accepted before 5:00 p.m. Eastern Standard Time on a business day will consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. A business day is Monday through Friday, excluding Federal holidays and as otherwise posted in our banking centers. Funds deposited using the Service will generally be made available by the second business day after the day of deposit.  We reserve the right to place a hold on funds deposited as described in Our “Funds Availability Policy Disclosure” given to you when you opened your account with CSB.

10. Disposal of Transmitted Items

Upon your receipt of a confirmation from CSB that we have successfully received your deposit, you should store the check in a secure location for 14 days. After 14 days, and after you have confirmed the deposited funds have been applied to your account correctly, you agree to destroy the check by shredding it or marking it “VOID”. Destroying the check prevents it from being presented for deposit another time. You will be liable for checks that are presented more than once. During the time the retained check is available, you agree to promptly provide it to CSB upon request.

11. Deposit Limits

We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. The current per-item dollar limit is $5,000 for consumer accounts and $25,000 for business accounts. CSB reserves the right to assign a limit not listed above at its sole discretion.

12. Presentment

The manner in which the items are cleared, presented for payment, and collected shall be in CSB’s sole discretion subject to the agreements governing your account.

13. Errors

You agree to notify CSB of any suspected errors regarding items deposited through the Services right away, and in no event later than 60 days after the applicable CSB account statement is sent. Unless you notify CSB within 60 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against CSB for such alleged error. You can contact us by calling 1.800.654.9015 or by visiting any CSB banking center.

14. Errors in Transmission

By using the Services you accept the risk that an item may be intercepted or misdirected during transmission. CSB bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.

15. Image Quality

The image of an item transmitted to CSB using the Services must be legible, as determined in the sole discretion of CSB. Without limiting the foregoing, the image quality of items must comply with the requirements established from time to time by CSB, AMSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.

16. User Warranties and Indemnification:

You warrant to CSB that:

  • You will only transmit eligible items.
  • You will not transmit duplicate items.
  • You will not re-deposit or re-present the original item.
  • All information you provide to CSB is accurate and true.
  • You will comply with this Agreement and all applicable rules, laws and regulations.
  • You are not aware of any factor which may impair the collectability of the item.
  • You agree to indemnify and hold harmless CSB from any loss for breach of this warranty provision.
17. Cooperation with Investigations

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in you possession and your records relating to such items and transmissions.

18. Termination

We may terminate this Agreement at any time and for any reason at our sole discretion. This Agreement shall remain in full force and effect unless and until it is terminated by us. Without limiting the foregoing, the Agreement may be terminated if you breach any term of this Agreement, if you use the Services for any unauthorized or illegal purpose or you use the Services in a manner inconsistent with the terms of your CSB Account or any other agreement with us.

19. Enforceability

We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.

20. Ownership and License

You agree that CSB retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of the Agreement immediately terminates your right to use the Services.

Without limiting the restrictions of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to CSB’s business interests, or (iii) to CSB’s actual or potential economic disadvantage in any aspect. You may use the Services only for non-business, personal use in accordance with this Agreement. You may not copy, reproduce, distribute, or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.





Revised 07-2020

CSB Digital Wallet Terms and Conditions

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Terms for Adding Your Commercial & Savings Bank (CSB) Card to a Digital Wallet

These Terms for adding your CSB card to a Digital Wallet (the “Terms”) apply when you choose to add a CSB debit card (CSB card) to a Digital Wallet (“Wallet”) and form part of a legally binding agreement between you and CSB that also includes CSB’s Online Banking Agreement, Electronic Fund Transfers – Your Rights and Responsibilities, Terms and Conditions of Your Deposit Account, Mobile Banking Terms and Conditions, and all related disclosures. In these Terms, “you” and “your” refer to the cardholder of the CSB, and “we”, “us”, “our”, and “CSB card” refer to the issuer of your CSB card, which is CSB. When you add a CSB card to the Wallet, you agree to these Terms.

1. Adding your CSB Card

You can add an eligible CSB card to the Wallet by following the instructions of the Wallet provider. Only CSB cards that we indicate are eligible can be added to the Wallet. If your CSB card or underlying account is not in good standing that CSB card will not be eligible to enroll in the Wallet. When you add a CSB card to the Wallet, the Wallet allows you to use the CSB card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your CSB card is accepted.

2. Your CSB Card Terms Do Not Change

The terms and account agreement that govern your CSB card do not change when you add your CSB card to the Wallet. The Wallet simply provided another way for you to make purchases with the CSB card. Any applicable interest, fees and charges that apply to your CSB card will also apply when you use the Wallet to access your CSB card. CSB does not charge you any additional fees for adding your CSB card to the Wallet or using your CSB card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees. 

3. CSB is Not Responsible for the Wallet

CSB is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you. We are only responsible for supplying information securely to the Wallet provider to allow usage of the CSB card in the Wallet. We are not responsible for any failure of the Wallet, or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third party relationships that may impact your use of the Wallet. You acknowledge that you have read and accepted the terms and conditions of the Digital Wallet by requesting that your CSB Debit Card be added to the Digital Wallet.

4. Limits

Any limits we place on the frequency or dollar amount of your CSB card transactions will also apply to Wallet transactions.

5. Contacting You Electronically, and by Email

You consent to receive electronic communications and disclosures from us in connection with your CSB card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any CSB account. It may include contract from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes. By accepting these Terms and Conditions, you agree that it is subject to the federal Electronic Signatures in Global and National Commerce Act. (“E-SIGN”). Continued use of a CSB Debit Card in a Digital Wallet requires that you agree to receive all Notices electronically. If you prefer to receive paper Notices, you have the right to withdraw your consent, in which case we will terminate your use of the CSB Debit Card in a Digital Wallet.

6. Removing Your CSB card from the Wallet

You should contact the Wallet provider on how to remove a CSB card from the Wallet. We can also block a CSB card in the Wallet from purchases at any time. 

7. Governing Law and Disputes

These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which you CSB card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your CSB card agreement. 

8. Ending or Changing these Terms; Assignments

We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these Terms, but you can terminate these Terms at any time by removing all CSB cards from the Wallet. You may not assign these Terms. 

9. Security

Storing account numbers, passwords or codes on any Device, using any account numbers, passwords or codes in any verbal communications, or using any Device in a public place such as an airport, hotel, concert, or sports facility, may result in interception and misuse of that information by a third party. CSB cannot prevent interception by third parties of any communications made by a Device. CSB has no responsibility for any losses resulting from information that a third party may obtain by intercepting communications made through a Device or by accessing data that Customer may store on a Device.

Customer may be assigned security codes, procedures, devices or passwords to be used when Customer uses Services. CSB may also make available to the Customer security devices that are provided by third parties. Any such codes, procedures, passwords or other devices are called Security Devices. CSB MAKES NO REPRESENTATIONS OR WARRANTIES AS TO MERCHANT ABILITY, OR THAT THE SECURITY DEVICES ARE FIT FOR A PARTICULAR PURPOSE OR ARE SUFFICIENT TO PROTECT THE CUSTOMER AGAINST UNAUTHORIZED ACCESS TO THE CUSTOMERS ACCOUNTS OR COMPUTER SYSTEMS. THE CUSTOMER ACKNOWLEDGES THAT THE SECURITY DEVICES MAY NOT BE THE MOST SOPHISTICATED OR ADVANCED DEVICES AVAILABLE AND THAT CSB HAS NO OBLIGATION EXCEPT TO OFFER REASONABLE SECURITY DEVICES TO THE CUSTOMER. THE CUSTOMER SHOULD OBTAIN INDEPENDENT ADVICE ON THE SECURITY OF CUSTOMERS COMPUTER SYSTEMS AND WHETHER THE SECURITY DEVICES PROVIDE SUFFICIENT PROTECTION TO THE CUSTOMER AND ITS ACCOUNTS AND COMPUTER SYSTEMS. Customer agrees to look solely to the third party provider or manufacturer of any Security Device with respect to any defect in a Security Device. The Customer must use the Security Devices that are designated or required for a Service. Customer is solely responsible for all transactions that are made using Customers computer or other access devices, or which are made using any of Customers Security Devices, or which are made without CSBs actual knowledge that such transactions are unauthorized. Without limiting anything else contained herein, Customer is solely liable for any losses, damages or unauthorized access to Customers Accounts if Customer accesses Services by public WiFi or other public access services. Customer is solely responsible for installing in Customers computers and Device systems such procedures, codes, firewalls and other security devices as are necessary to prevent the unauthorized use of Customers computers, access devices, Security Devices or Accounts. CSB reserves the right to block access to the Services if CSB has actual knowledge that any Security Device has been compromised or misappropriated, provided that CSB has no obligation of any kind to investigate or discover any such compromise or misappropriation and CSB shall have no liability to the Customer for CSBs failure to discover any such compromise or misappropriation. The Customer must immediately notify CSB in writing delivered by certified mail or by a nationally recognized courier service or by e-mail if Customer has authorized any person to use any of Customers Device or Security Devices and if Customer wishes to terminate such persons authority to use the Device or Security Device, or if Customer knows or believes that any of Customers Devices or Security Devices have been lost, stolen or otherwise compromised, or if Customer has reason to believe that any person is accessing Customers Accounts without authority. CSB will have no liability for any unauthorized transactions that occur within two Banking Days after actual receipt of such written notice by CSB. Customer hereby releases CSB from all liability for, and will indemnify CSB from, any and all claims of any nature arising out of any access to any of Customers Accounts using the Services unless CSB has actual knowledge that such transactions are unauthorized. If CSB makes available to the Customer a Security Device and the Customer refuses to use the Security Device, then CSB shall have no liability of any kind for any unauthorized access to Customers Accounts, or misappropriation of any of Customers funds.

10. Privacy

Your privacy and the security of your information are important to us. CSB’s Privacy Notice applies to your use of your CSB card in the Wallet. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your CSB card transactions, and to improve our ability to offer these services. This information helps us to add your CSB card to the Wallet and to maintain the Wallet. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider.

11. Notices

We can provide notices to you concerning these Terms and your use of a CSB card in the Wallet by posting the material on our website, through electronic notices given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 1.800.654.9015.

12. Questions

If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your CSB card, then contact us at: 1.800.654.9015.

Revised 12-2018