Business

Checking & Savings

CSB Offers the Following Services to Help You Manage Your Business Banking!

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Cash Management IconCash Management

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Business Checking Banner

Find The Best Account For Your Business!

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


Interest Payments:

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.

Business Value Checking

Recommended for businesses with fewer than 100 transactions per month.


Minimum Daily Balance:

None


Interest Payments:

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
Business Interest Checking

Limited to Sole Proprietors, Public Funds & Non-Profit Corporations.



Minimum Daily Balance:

$1,000


Interest Payments:

Compounded & Credited Monthly


Monthly Service Charge:

$10

Waived with $1,000 daily balance

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


Interest Payments:

None


Monthly Service Charge:

$35


Transaction Limits:
  • $0.10 per debit item
  • $0.50 per deposit
  • $0.10 per item deposited
  • $0.20 per $100 for cash deposited or received

Account Analysis Required.

Business Savings Banner

Find The Best Account for Your Business!

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


Interest Payment:

Compounded and credited monthly


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


Transaction Limits: 

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

Money Market

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


Minimum Daily Balance:

$5,000


Interest Payment:

Compounded and credited monthly


Monthly Service Charge:

$15
Waived when minimum balance is maintained


Transaction Limits: 

None

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


Interest Payment:

Compounded and credited quarterly


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

Transaction Limits: 

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


Additional Stipulations
  • No monthly statement
  • No electronic transactions
Platinum Savings


Our highest interest savings account for higher balances.



Minimum Daily Balance:

$100,000


Interest Payment:

Compounded and credited monthly


Monthly Service Charge:

$25 
Waived with one of the following monthly:

  • Minimum balance maintained

Arrow and money bag icon

CDs help you earn higher interest on your funds than you would with a typical savings account. With a fixed maturity date, you select your term length, and then sit back and relax while earning interest. On fixed rate CDs, your interest rate will not change during the original term of your CD.


How to select a term length:

CSB offers terms ranging from 30 days up to five years with competitive rates. You will not be able to make deposits during the term of the CD*, and withdrawals are subject to early withdrawal penalties. Your interest rate is determined by the term length you choose.

*30 day savers CDs allow deposits at any time throughout the life of the account.


Check out our terms & rates! 


What happens after the maturity date?

At maturity you have a ten day grace period to either renew your CD into another term or withdraw the funds. Please note, our 30 day Savers CD has a five day grace period. If you do nothing during the grace period, your account will automatically renew into the term specified when you opened your account.


Monthly Service Charge:

  • None
Interest Payment:
  • Choose the interest payment that is right for you.
  • Compounded and credited monthly – earn interest on your interest
  • Direct deposit to your CSB checking or savings
  • Check via mail
Additional Information:
  • Penalty for early withdrawal may be imposed
  • Certain balance requirements may apply on CD terms
  • CDs are FDIC insured.

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:


Overdraft Line of Credit

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

Apply Today


Overdraft Privilege

An automatic service provided to qualifying checking accounts to protect you from having checks or other items returned due to insufficient funds. The service may pay overdrafts up to the limit established for the account. The standard non-sufficient fund fee is charged per item that overdraws the account.

Overdraft Privilege Service Policy 


Ready to make a change?

Apply today.


Let’s get started!

See Deposit Interest Rates    General Fee Schedule




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 and checking accounts closed within 90 days of opening. 

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