Business

Checking & Savings

CSB’s promise to provide customized service to our valued clients means that we’ve developed an array of account options to address the varied ways you manage your business resources. Take a look at our checking options below to see what best suits your cash flow needs or explore savings options.

Business Deposit Accounts

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Business Loans

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Cash Management

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Online Banking

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Credit Cards

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Merchant Services

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Retirement Planning

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Investing

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Account Business Checking Business Value Checking Business Interest Checking Non-Profit Checking Corporate Retail Checking
Account Description

Recommended for businesses with more than 100 transactions per month who wish to be eligible for Cash Management Services.

Recommended for businesses with fewer than 100 transactions per month. Recommended for Sole Proprietors , Public Funds & Non-Profit Corporations. Recommended for those who represent local non-profit / tax exempt organizations. Recommended for business customers who utilize our bank for depository services , cash and coin needs, with funds routinely being transferred back to corporate offices.
Minimum Daily Balance

None

None 

$1,000

None

None

Monthly Service Charge

$8


$5

Waived

with one of the following each month:

  • $5,000 daily balance
  • 10 debit card (POS) transac tions*

$10

Waived

with $1,000 daily balance

None 

$30


Transaction Limits
  • $0.10 per debit item
  • $0.05 per CSB item deposited
  • $0.10 per transit item deposited

To lower or avoid monthly fees, an earnings credit is tied to the account balance. The earnings credit is subject to change, is based on current market conditions and is established by CSB.
100 free items per month
$0.25 per item over 100
  • $0.10 per debit item
  • $0.50 per deposit
  • $0.10 per item deposited
  • $0.10 per $100 for cash deposited or received

Account Analysis Required.

Interest Payment

None

None 

Compounded & Credited Monthly None None

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Interest Rates

* 10 debit card purchases must be made each month (posted per statement cycle).

An early closing fee of $30.00 will apply to all checking accounts that are closed within 90 days of the opening date.


Overdraft Protection

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:

Savings Overdraft Protection

This service allows you to automatically cover overdrafts by transferring funds directly from your CSB savings account.

Overdraft Line of Credit

Line of credit tied to your Business Checking that will cover overdrafts up to your line limit. Subject to credit approval.

Overdraft Privilege

Rather than the possibility of returning unpaid, non-sufficient funds, CSB will consider payment of reasonable overdrafts up to an assigned limit.

Overdraft Privilege Service Policy

Ready to make a change?

Apply today.


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CSB’s promise to provide customized service to our valued clients means that we’ve developed an array of account options to address the varied ways you manage your business resources. Take a look at our savings options below to see what best suits your cash flow needs or explore checking options.

SAVINGS
OVERVIEW
Statement Savings Money Market Passbook Savings
Account
Description
Our most popular savings account seems like a traditional savings account, but convenient online access  makes it even better. 

Competitive interest rates coupled with convenient access to your funds.
What could be better?
Traditional savings for customers who conduct transactions in the banking center. We help you keep track of your account with a printed passbook.
Minimum
Daily Balance

$100

$5,000

$100

Monthly
Service Charge

$3

Waived

with one of

the following monthly:

Own a CSB Checking account

  • Own a CSB CD account
  • Qualified non-profit 501(c)(3) organization
  • Direct deposit*
  • Minimum balance maintained
  • Under age 19
  • Attending college**

$15

Waived

when minimum balance is maintained .

$3

Waived

w ith one of
the following monthly
:


  • Own a CSB Checking account
  • Own a CSB CD account
  • Minimum balance maintained
  • Qualified non-profit 501(c)(3) organization
  • Under age 19
  • Attending college**

Interest Payment Compounded and
credited monthly
Compounded and credited monthly Compounded and
credited quarterly
Transaction Limits 50 items (deposits & withdrawals) per month ($0.25 per additional item)
50 items (deposits & withdrawals)
per month ($0.25 per additional item)
Additional Stipulations

  • No monthly statement
  • No electronic transactions 
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Interest Rates


* Direct deposit must be posted to your account each month (per statement cycle).

** You must notify CSB if you are attending college in order to have your monthly service charge waived.

Transaction limits apply to all savings accounts. Under federal regulations, you are allowed up to six pre-authorized withdrawals per monthly statement cycle, including telephone or electronic transfers. There is no limit on deposits or the number of withdrawals you can make at an ATM, by mail, or any CSB office, however, there will be a 25¢ per additional item fee over 50 items per month. The Commercial and Savings Bank reserves the right to accept deposits from its local market area. No brokered deposits.

Ready to make a change?

Apply today.


Let's get started!

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