Digital Banking

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If you need assistance with enrollment for any

CSB Digital Banking service, please Contact Us!

Laptop with logo icon

Online Banking

High-Touch Technology

CSB Online Banking service allows you to do your banking 

24 hours a day, 7 days a week.


 

Monitor Your Account

      • View a summary of all of your accounts
      • Sort your transactions
      • Search for transactions
      • Make loan payments
      • Set up and manage email alerts
      • Download, view, and print eStatements and eNotices
 

Perform Transactions

      • Transfer funds between accounts
      • Pay-a-Person (send money electronically to anyone, anywhere!)
      • Pay your bills
      • Transfer funds between banks with Bank-to-Bank transfers
      • Issue a stop payment on a check - at a discounted price!
      • Utilize Cash Management Services (Business Customers Only )
 
Online Banking FAQs
 
Q: Is CSB Online Banking hard to use?

A: CSB Online Banking & BillPay is simple and easy to use. It is also very convenient as you will have access to your accounts at CSB anywhere you have Internet access. If you should ever need assistance or have questions, our Customer Service Center is available to assist you.


Q: Is there a fee for CSB Online Banking?

A: No, we are pleased to provide Online Banking services for free to CSB customers.


Q: Can anyone else get access to my information?

A: You will be given an Online Banking Identification Number and Password after enrolling for Online Banking. You, and only you, can access your accounts. Plus, our powerful firewalls, encryption technology and timed log-offs help to ensure your privacy. 


Q: Will my account numbers be shown?

A: No, your accounts will each have a nickname, or pseudo name like; “Checking”, “Savings”, “Christmas Club” for easy identification.


Q: How do I get started?

A: Enroll online here

Mobile icon Mobile Banking

High-Touch Technology

The CSB Mobile Banking app is available through:

Image of Google Play Lofo   Image of Apple App Store Logo
 

Check Out Videos to Learn More About Mobile Banking!

How-to Videos

 

Monitor Your Account

      • View a summary of all of your accounts
      • Sort your transactions
      • Search for transactions
      • Make loan payments
      • Set up and manage text alerts
      • View eStatements and eNotices
 

Perform Transactions

      • Transfer funds between accounts
      • Make mobile check deposits
      • Pay-a-Person ( send money electronically to anyone, anywhere! )
      • Pay your bills
      • Transfer funds between banks with Bank-to-Bank transfers
      • Issue a stop payment on a check - at a discounted price! 
      • Utilize Cash Management Services ( Business Customers Only )
 

Additional Services Available in CSB Mobile App

      • Mobile check deposits
      • Tag transactions to categorize your spending
      • Set up and manage text alerts
      • View charts of spending activity
      • Store receipt images with transactions
      • Find the nearest CSB Banking Center or ATM
 

Download the CSB App from any of the following:

      • Apple Store®
      • Android™ Google Play™ Store
 

Mobile Banking FAQs

 
Q: Who is eligible to use CSB Mobile Banking?

A: CSB Online Banking users, who are at least 18 years of age and maintain an eligible checking or savings account. Additional terms and conditions may apply. If you are not enrolled in CSB Online Banking click here to begin.


Q: What mobile devices are supported?

A: CSB Mobile Banking Apps are available for all Apple® and Android™ devices. The App is available for free download from the Apple App Store℠, Amazon App Store and Google Play™. 


Q: Are there fees to use the CSB Mobile Banking App?

A: The App is free to download and free to use. Certain features inside the app may require a fee. See your online banking agreement, mobile banking agreement, and mobile remote deposit agreement for details. Contact your wireless service provider for any connectivity or usage rates that may apply. 


Q: How do I sign in to CSB Mobile Banking?

A: Your username and password are the same for mobile banking as they are for your CSB Online Banking. 

 

Q: Is CSB Mobile Banking Safe?

A: We simply optimize your Internet banking experience for use on a mobile device. All of the security currently in place with your Online Banking solution remains intact. You are merely accessing your accounts via a mobile device browser. User credentials are identical as you are connecting to the same site. We use 128-bit encryption to protect your data as it travels to your mobile device.

 

Apple® is a registered trademark of Apple Inc.
Android is a trademark of Google Inc.

Debit card on phone imageTransform the way you

pay with Mobile Pay!

 

Use your CSB Visa® debit card with Apple Pay™, Google Pay™, and Samsung Pay, which lets you use your smartphone to pay in stores accepting contactless payments. You can also make purchases within participating apps and online.

Simply save your CSB Visa® debit card as your default card in your mobile wallet and start using at any participating merchants today!

Transactions you conduct using your mobile wallet will appear within the mobile wallet app as your most recent transactions. Log in to CSB Online or Mobile Banking to view transactions conducted outside of the mobile wallet.

Look for one of these symbols at checkout: 

Mobile pay icons





Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google Logo are trademarks of Google LLC. 

Apple, the Apple logo, and Apple Pay® are trademarks of Apple Inc., registered in the U.S. and other countries.

Samsung, Samsung Pay, Galaxy S7 and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

The Visa Site is © Copyright 1996-2019 Visa. All Rights Reserved. 

Mobile Banking Icon

Text Banking & Alerts

Transfer money, check balances, view transaction history, and receive alerts from any mobile device with SMS text messaging capabilities.
 

Check Out Videos to Learn More About Text Banking!

 

Text Banking

Enroll in Text Banking through the CSB Mobile Banking App

Don't have a smart phone or tablet? You can also enroll at any CSB Banking Center- find the location nearest you!

 

Once enrolled, simply text commands to 39257 

Helpful hint - Save 39257 as "CSB Text Banking" in your contacts.

 

Easy Text Commands:
  • BAL – Receive account balances for all accounts enrolled
  • BAL [ nickname ] – Receive the account balance of the nicknamed account; Example: Bal Chkg 
  • HIST – Receive the history for all accounts enrolled
  • HIST [ nickname ] – Receive the history for that account; Example: Hist Chkg 
  • XFER [ from last four of account ] [ to last four of acct ] [ amount ] - Transfers funds between two accounts; Example: XFER 1234 6789 25.00 
  • XFER [ from acct nickname 1 ] [ to acct nickname 2 ] [ amount ] – Transfers funds between two accounts; Example: XFER Chkg Svgs 25.00 
  • HELP – Receive a list of available commands and customer service information
  • STOP – Suspends the account from two way text banking

 

Text Alerts

Receive alerts via text message to meet your specific needs. Alerts are set up in the CSB Mobile App.

Daily Balance - Receive an alert of your daily balance for the desired account

Monthly Balance - Receive an alert once a month of your current balance on a particular day

Balances Above/Below - Receive an alert when your balance falls below or goes above the amount you define.

Transaction Alerts - Receive an alert when certain transactions occur (ex: debit card purchases, deposits, transfers)

 
Text Banking FAQs
Q: What is Text Banking?

A: CSB Text Banking service is a free service which allows you to quickly request and receive account information via text message. You won't need to sign in and it's just as secure as our other services. 


Q: How do I sign up?

A: Our Text Banking empowers you to initiate commands and setup alerts based upon your preferences. You can do this instantly on the CSB Mobile App under the "Text Banking & Alerts" menu. If you are not an online banking customer you can still sign up for text banking by filling out our enrollment form.


Q: What kinds of alerts are available?

A: Text banking gives you greater control of your account through the use of text alerts, which are scheduled based on specific criteria you provide. *You may choose to receive account balance and/or transaction alerts. 


Q: What else can Text Banking do?

A: Text Banking also allows you to have on-demand access to your balance, transfers, and account history without the use of a user ID or password. By using simple text commands, you can perform several functions while on the go. Send your command to 39257 to perform the tasks.


Q: Is Text Banking available for my business?

A: Yes

 

Q: How do I stop Text Banking?

A: To un-enroll or suspend your Text Banking, send SUSPEND or STOP to 39257.

 

*Must be enrolled in CSB Mobile App to setup Text Alerts.

Telephone IconPhone Banking

Phone Banking is a free service that allows you to make account inquires and transfers using any touch-tone telephone.
 

Let's get started!

 Check Out Videos to Learn More About Phone Banking!
 

First Time Caller Information 

  • The first time using the system, you will be prompted to enter the last 4 digits of the primary account holder’s social security or tax ID number.
  • The system will then prompt you to create a new security code or PIN that you will use for further account inquires through Phone Banking. Note:The PIN you create cannot be “0000”, “1234” or the last 4 of your Social Security Number / Tax ID Number. 

Step 1

 

Dial: 330.674.CSB0 (330.674.2720) or Toll-Free: 1.888.438.2720

 

Step 2

You will hear an opening message followed by the main menu options. Please listen carefully and follow the instructions - It’s that simple!


Main Menu

  • Say Account Information or press 1
  • Say Funds Transfer or press 2
  • Say Lost Card or press 3
  • Say Stop Payment or press 4
  • Say Check Reorder or press 5
  • Say Operator or press 0
 

Account Information Menu

Choose one of the following account types:
  • Say Checking or press 1
  • Say Savings or press 2
  • Say CDs or IRAs or press 3
  • Say Loans or press 4
  • Say Operator or press 0
 

Withdrawal/Deposit Functions 

  • Say Previous or press 7 to repeat last transaction
  • Say Repeat or press 8 to repeat current transaction
  • Say Next or press 9 or skip ahead to the next transaction
 

Additional Functions

  • Say Cancel or press * to go to the previous menu
  • Say Main Menu or press #
  • Say Operator or press 0 to be connected to the Customer Service Center 
 

Support & Security

  • After three incorrect PIN attempts the Phone Banking system will lock the account for security purposes.
  • To reset your PIN, please call our Customer Service Center at 330.674.9015 or toll-free at 1.800.654.9015.
  • Phone or data rates may apply, check with your carrier for details. Certain restrictions and other limitations may apply. 

Phone Banking FAQs

How do I establish my PIN the first time I use phone banking?

The first time you call Phone Banking your PIN will be the last four digits of the primary account holder's social security number.


What if I forget my PIN?

After three failed login attempts you will be locked out of the system. Call us at 1.800.654.9015 or visit your nearest CSB banking center to have your PIN reset. Your PIN will revert back to the last four digits of the primary account holder's social security number.


Can I change my PIN?

Yes, you can change your PIN at any time using the automated prompts after logging into the Phone Banking System.


Is the balance as of today or as of last business day's processing?

You will receive your current balance as well as your available balance. Current balance is the balance in your account at the end of the last business day processing. Your available balance is the balance after any transactions you have made in the current business day. Keep in mind this may not include any outstanding checks you may have written, which have not yet been cashed.


How much transaction history is available in Phone Banking?

Typically the last 60 transactions or 45 days worth of history are available.

Best Practices for Safe Mobile Device Usage

Online security is a top priority at The Commercial & Savings Bank (CSB). We want to provide crucial information, tips, and tricks to help protect your secure information.

Mobile Banking is constantly changing, making it difficult to identify all possible risks, but this comprehensive set of guidelines will give you knowledge to protect yourself and utilize mobile banking with confidence.

If you are using a mobile banking application, such as CSB’s Mobile Banking App, or mobile payments app, such as Apple Pay®, Google Pay, or Samsung Pay, your smartphone could be a target for malicious individuals who want to steal your identity or to those you lend your device to.

 

What is a Smartphone?

A smartphone is a cellular phone that performs many of the functions of a computer, typically having a touchscreen interface, Internet access, and an operating system capable of running downloaded applications, more commonly known as apps.

 

On which smartphones can I install the CSB Mobile Banking App?

The CSB Mobile Banking Application is currently available for download on Apple® & Android™ devices including tablets with Apple & Android operating systems.

If you have a smartphone with a different operating system such as Windows or Blackberry, you can still utilize CSB mobile banking though our website at csb1.com.

 

What devices are compatible with Mobile Pay?

Apple Pay is compatible with iPhone®, iPad®, and Apple Watch®. Google Pay and Samsung Pay work with Android devices. 

 

Key items to keep in mind

  • Always treat your cell phone like your wallet or purse.
  • Be cautious of who you let use or “borrow” your device – they could quickly download fraudulent apps.
  • Keep your device up-to-date with software releases and update and protect it with antivirus software (AVS) and personal firewall.
  • When you text someone, the message is stored on your cell phone, on at least one server, and the receiver’s cell phone. It will be around forever.
  • Text messages, emails, or alerts from CSB never contain any personally sensitive information (account numbers, username, passwords, etc.). CSB will never ask for this information to be submitted through electronic channels. Never send this secure information to anyone.
  • You should review your account information via multiple channels on a regular basis to ensure consistency.
  • Avoid using public Wi-Fi connections to conduct your banking as these are unsecured.
 

Lost or Stolen Device

In order to safeguard yourself, there are several best practices you can follow BEFORE losing a device:

  • Most smartphones offer a feature allowing you to select a PIN or pattern recognition password in order to unlock the device for use. This feature should be turned on not only when you power-on your device but anytime you turn your screen on.
  • Create “strong” passwords (of unusual combinations of upper-and lower case letters, numbers, and symbols) or PIN (random numbers instead of, 1234 or the last four digits of your Social Security number) and periodically change them.
  • Do not store your username or password in your device’s notebook, contacts, or any other apps for easy retrieval.
  • Check with your mobile carrier about remote wiping. Often times you can wipe the data from your phone either online or through the help of your carrier. This prevents the information from being accessed from anyone who may find or steal your device. 


Social Engineering

There are serious social engineering threats that users need to be aware of when engaging in mobile banking practices:

Malware : The intent of malware is to covertly compromise the confidentiality, integrity, or availability of the victim’s data, application, or operating system. The highest risk in a mobile banking setting is from downloading rogue apps or clicking on links contained within certain websites and/or text messages. Just because the picture of an application appears to be backed by a legitimate financial institution doesn’t mean it is secure.

SMiShing : The act of retrieving information via text message. Attackers pose as a financial institution and use SMS (texting) to ask for sensitive information. Your response and information is routed to an unauthorized individual.

Phishing : This has been around since the birth of Internet banking and is still applicable to mobile banking. Phishing is an attack used by tricking the victim into downloading malware or disclosing personal information.

Vishing : Using SMiShing and Phishing to evoke a victim into disclosing information by responding to a bogus phone number and talking to an attacker.

Man-in-the-Middle Attack : A form of active eavesdropping when the attacker makes independent connections with the victims and relays messages between them, making them believe they are talking directly to each other over a private connection, when actually the entire conversation is controlled by the attacker.

Cloning : The transfer of identity between one mobile telephone and another.

Hijacking : The attacker takes control of a phone conversation and masquerades as one of them. This could give the hacker access to the victim’s financial accounts.


NEVER “Jailbreak” Your Device

Smartphones and tablets can be “jailbroken” by installing modified software that unlocks the restrictions of the device's core operating system. “Jailbreaking” or otherwise altering your device could void your warranties, violate your provider's terms of service, or even damage your device. Since jailbreaking methods are unsanctioned by manufacturers and forgo most security protocols, they can make your device unstable, susceptible to viruses, and vulnerable to exploits that feed hackers your personal information.


Fraudulent Applications

Research any application (“app”) before downloading it. Just because the name of an app resembles the name of your bank – or of another company you’re familiar with – don’t assume that it is the official one of that bank or company.

Take the time to read the “small print” when installing an app on any smartphone. Evaluate the information the app requires access to and consider if this information is necessary for it to run successfully. If you cannot see a reason for the app to have access to the information, you should reconsider installing it.

The iPhone App Store is the only marketplace that controls “application distribution” meaning they review and restrict applications prior to allowing them to enter the app store.

Even with the strict app design controls, fraudsters may attempt to mimic the CSB Mobile Banking Application in order to create a “spoof” app. When an unsuspecting person downloads the fraudulent app and enters their log-in credentials, it is immediately sent to the fraudsters. They could then use your username and password to log-in to your account.

Because of this, we always encourage you to download the CSB Mobile Banking App and updates to the app from our website at www.csb1.com instead of getting them from the marketplace. It’s much safer because you know it’s a legitimate site.


Non-Smartphone SMS (text) Safety

You may have a cellular device that receives text messages and may even allow access to the internet, but is not considered a “smartphone”. There are two major differences between smart phones and cell phones:

  • Smartphones can run applications and cell phones can't
  • Smartphones can access the Internet directly; cell phones rely on a carrier to get you there.
  • If your phone has text messaging capabilities, it may be compatible with CSB’s Text Banking service.
A few key items to remember:
  • Never give your personal details to anyone without verifying their identity. A CSB Bank representative will never ask for your personal or banking information in a text message.
  • Never reply to a text or engage in a conversation with someone asking for this type of information.
  • Never provide your personal details, such as your PIN or account details, by text.
  • Do not follow any links in text messages to reach our cellphone banking or internet-banking website. Always enter our website address (http://www.csb1.com).
  • Do not click any links contained within text messages when you are not 100% confident and knowledgeable of the sender.

If you have given out any of your personal information or banking details please call us immediately at 1.800.654.9015.


Mobile Remote Deposit Capture Safety

When depositing a check with the CSB Mobile App, please endorse the check using a restrictive endorsement, which states the deposit is “For Mobile Deposit Only at CSB.” Once the check has been deposited and approved, write “VOID” on the front of the check.

Examples:

check endorsement image

image of voided check







 

 

 

 

You must endorse checks “For Mobile Deposit Only at CSB” or your check may be declined for deposit.

Always void your checks after depositing through Mobile Deposit in order to protect yourself and the maker of the check. If someone obtains the check they could try to deposit it into their own account since it has already been endorsed. 

 

Apple® and The AppStore are a registered trademarks of Apple Inc.

Android is a trademark of Google Inc.