Personal

Checking & Savings

Where to begin?

Find the right account for you.

Simply answer a few short questions and we'll lay it out for you.

What are your goals for this account?
How much do you plan to keep in your account?
How much do you plan to keep in your account?
How soon will you need access to spend the money?
Are you enrolled in a High Deductible Health Plan (HDHP)
How much do you plan to keep in your account?
1 2 3

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

Debit Card

Online Banking &
BillPay

Mobile Banking &
Mobile Deposits

eStatements

Phone Banking

Text Banking & Text Alerts

Person-to-person Payments

Quicken Account Managing

Personal Checking Accounts Overview

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CHECKING OVERVIEW Value Checking Interest Checking Money Market Health Savings (H.S.A.)
Account Description
Our most popular checking account.  

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

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

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

None

$1,000

$5,000

$50

Monthly Service Charge

$4

waived
with one of the following monthly:
  • Direct deposit*
  • 12 debit card transactions**
  • Under age 19
  • Attending college***


$10

waived
when minimum balance is maintained.

$15

waived
when minimum balance is maintained

None

Interest Payment No
Compounded and credited monthly Compounded and
credited monthly
Compounded and credited monthly
Get Started Get Started  Get Started Get Started
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Interest Rates


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

** 12 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. 

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

ATM Card

Image of a person at an ATM

Online Banking 

Image of a mother and daughter

Mobile Banking &
Mobile Deposits

Image of a person using a cell phone

eStatements

Image of a lady working on a computer

Phone Banking

Image of a man talking on a phone

Text Banking & Text Alerts

Image of a man texting

Earn Interest

Image of a son, father, and grandfather

Quicken Account Managing

Personal Savings Accounts Overview

SAVINGS OVERVIEW Statement Savings Money Market Passbook Savings Christmas Club Health Savings (H.S.A.)
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.

Save the easy way! Make your regular contributions throughout the year to save for the holiday season.
Pay for you and your dependents' medical expenses tax-free when you have a High Deductible Health Plan (HDHP)
Minimum Daily Balance

$100

$5,000

$100

None

$50

Monthly Service Charge


$3

waived
with one of the following monthly:
  • Own a CSB Checking account
  • Own a CSB CD account
  • Direct deposit*
  • Minimum balance maintained
  • Under age 19
  • Attending college**


$15

waived
when minimum balance is maintained.

$3

waived
with one of the following monthly:
  • Own a CSB Checking account
  • Own a CSB CD account
  • Minimum balance maintained
  • Under age 19
  • Attending college**


None

None

Interest Payment Tiered on balances $10 & up;

Compounded and
credited monthly
Tiered on balances $5,000 & up;

Compounded and credited monthly
Tiered on balances $10 & up;

Compounded and

credited quarterly
Compounded and credited monthly and at maturity

Interest not paid on funds over $5,000

Compounded and credited monthly
Additional Stipulations None None
  • No monthly statement
  • No electronic transactions 
  • No monthly statement 
  • No outgoing electronic transactions

None
Get Started Get Started  Get Started Get Started Get Started

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. 

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

A $10.00 penalty will be charged for each withdrawal of funds from a Christmas Club prior to the maturity date.

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. Your interest rate will not change during the term of your CD account. 


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!  Check out our CD SPECIALS!


What happens after the maturity date?

At maturity you have ten days to either renew your CD into another term or withdraw the funds. If you do nothing during the ten day 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:

Savings Overdraft Protection

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

Apply Today

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 assures your overdrafts will be paid 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 


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Apply today.


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Bank anywhere and everywhere.

Sign up for Mobile Banking.


Manage your accounts, transfer money, deposit checks, and more with CSB Mobile Banking.

Learn more