Personal

Checking, Savings, & CD's

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

Personal Debit Card

Debit Card

Laptop IconOnline Banking & Bill Pay
Message IconeStatements
Mobile Banking IconMobile Banking & Mobile Deposits

Mobile Banking Icon

Text Alerts/Text Banking

Team IconPerson to Person Payments
Graph IconQuicken
Telephone IconPhone Banking
Personal Checking Accounts

Find The Best Account For You!

Value Checking

Our most popular
checking account.


 Minimum Daily Balance 

None


Interest Payment

None



Monthly Service Charge

$4

waived with one of the following monthly: 

  • Direct Deposit
  • 12 debit card point of sale transactions*
  • Under age 19
  • Attending college**

*12 debit card point of sale transactions 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.

Interest Checking

Perfect for customers who maintain higher balances and want to earn interest.

Minimum Daily Balance

$1,000


Interest Payment

Compounded and credited monthly when minimum balance is maintained


Monthly Service Charge

$10

waived when minimum balance is maintained 


Money Market

Competitive interest rates & convenient access to your funds. 


Minimum Daily Balance

$5,000


Interest Payment

Compounded and credited monthly


Monthly Service Charge

$15

waived when minimum balance is maintained 

Health Savings (HSA)

Pay for medical expenses, tax-free, when you have a High Deductible Health Plan (HDHP)


Minimum Daily Balance

$50


Interest Payment

Compounded and credited monthly


Monthly Service Charge

None


Personal Savings Accounts

Find The Best Account For You!

Statement Savings

Our most popular
savings account.
  
 
Minimum Daily Balance

$100


Interest Payment

Tiered on balances $10 & up; 

Compounded and credited monthly


Monthly Service Charge

$3

waived with any of the following monthly: 

  • Own a CSB Checking account
  • Own a CSB CD account
  • Direct deposit
  • Minimum balance maintained
  • Under age 19
  • Attending college
Passbook Savings

Savings for customers who conduct transactions in the banking center. Keep track of your account with a printed passbook.

Minimum Daily Balance

$100


Interest Payment

Tiered on balances $10 & up; 

Compounded and credited quarterly


Monthly Service Charge

$3

waived with any of the following monthly: 

  • Own a CSB Checking account
  • Own a CSB CD account
  • Direct deposit
  • Minimum balance maintained
  • Under age 19
  • Attending college


Additional Stipulations
  • No monthly statement
  • No electronic transactions
Money Market

Competitive interest rates & convenient access to your funds. 



Minimum Daily Balance

$5,000


Interest Payment

Tiered on balances $5,000 & up; 

Compounded and credited monthly


Monthly Service Charge

$15

waived when minimum balance is maintained.

Platinum Savings

 

Our highest interest savings account for higher balances.


Minimum Daily Balance

$100,000


Interest Payment

Compounded and credited monthly on balances $100,000 & up 


Monthly Service Charge

$25

waived when minimum balance is maintained.

Health Savings (HSA)

Pay for you and your dependents' medical expenses tax-free when you have a High Deductible Health Plan (HDHP).


Minimum Daily Balance

$50


Interest Payment

Compounded and credited monthly


Monthly Service Charge

None




Piggy Bank icon

Christmas Club Accounts


Save the easy way!

Make regular contributions throughout the year to save for the holiday season.



Minimum Daily Balance
Interest Payment
Monthly Service Charge
Additional Stipulations
None
Compounded and credited monthly and at maturity 

Interest not paid on funds over $5,000 
None
No monthly statement and outgoing electronic transfers

No early withdrawals*
*We will impose a $10 penalty for early closure, and each withdrawal of funds prior to maturity from Christmas Club accounts.

Arrow and money bag icon

Certificates of Deposit

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.

Save for your retirement years!


Our Local Experts are here to help.


Individual Retirement Accounts (IRAs) are a convenient way to provide income for your retirement years. Taxes on the earnings from your IRA are deferred until you begin withdrawing the money after age 59 ½ . You can count on a guaranteed rate of interest for a specified time when you invest your IRA in a certificate of deposit. Select from variable or fixed rates with a wide choice of terms. All term accounts renew automatically at rates being paid at that time. There may be a substantial penalty for early withdrawal.

Learn more about your retirement planning options:

Traditional IRA Roth IRA SEP IRA Brokerage

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 from your CSB savings account.

Apply Today

*Please Return to Any CSB Location or Send Via Secure Email*


Overdraft Protection 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!   

Deposit Interest Rates  General Fee Schedule


An early closeout fee of $40 will apply to all savings and checking accounts closed within 90 days of opening. The Commercial and Savings Bank reserves the right to accept deposits from its local market area. No brokered deposits.