Business

Checking & Savings

You receive the following value added features  with your CSB Checking Account:

Remote Capture IconBusiness Deposit Accounts

Cash IconBusiness Loans

Cash Management IconCash Management

Laptop IconOnline Banking

Check Mark IconCredit Cards

Card Machine IconMerchant Services

Pie Chart IconRetirement Planning

Graph IconInvesting

Business Checking Accounts Overview

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


Minimum Daily Balance:

None


Monthly Service Charge:

$8


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.


Interest Payments:

None


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Business Value Checking
Recommended for businesses with fewer than 100 transactions per month.


Minimum Daily Balance:

None


Monthly Service Charge:

$5

Waived with one of the following each month:

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

Transaction Limits:

  • 100 free items per month
  • $0.25 per item over 100



Interest Payments:

None


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Business Interest Checking
Recommended for Sole Proprietors, Public Funds & Non-Profit Corporations. 


Minimum Daily Balance:

$1,000


Monthly Service Charge:

$10

Waived with $1,000 daily balance


Interest Payments:

Compounded & Credited Monthly


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Non-Profit Checking
Recommended for those who represent local non-profit / tax exempt organizations.


Minimum Daily Balance:

None


Monthly Service Charge:

None


Interest Payments:

None


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Corporate Retail Checking
Recommended for businesses 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


Monthly Service Charge:

$30


Transaction Limits:

  • $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 Payments:

None


Get Started

Business Checking Accounts Overview


Statement Savings

Our most popular savings account seems like a traditional savings account, but convenient online access makes it even better.


Minimum Daily Balance:

$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**

Interest Payment:

Compounded and credited monthly


Transaction Limits: 

50 items (deposits & withdrawals) per month
($0.25 per additional item)


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Money Market

Competitive interest rates coupled with convenient access to your funds. What could be better?


Minimum Daily Balance:

$5,000


Monthly Service Charge:

$15
Waived when minimum balance is maintained


    Interest Payment:

    Compounded and credited monthly


    Transaction Limits: 

    None


    Get Started

    Passbook Savings

    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


    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
    • Minimum balance maintained
    • Under age 19
    • Attending college**

    Interest Payment:

    Compounded and credited monthly


    Transaction Limits: 

    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


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

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

    Savings and Money Market Accounts are subject to an Excess Debit 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. A $2.00 excess debit fee applies. 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. An early closeout fee of $40 will apply to all savings accounts closed within 90 days of opening. 


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