Personal

Checking & Savings

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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?
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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

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Phone Banking

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Text Banking & Text Alerts

Image of a man texting

Earn Interest

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Quicken Account Managing

Personal Savings Accounts Overview

SAVINGS OVERVIEW Statement Savings Money Market Passbook Savings Christmas Club
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.
Minimum Daily Balance

$100

$5,000

$100

None

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

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

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

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

Additional Stipulations

  • No monthly statement
  • No electronic transactions 
  • No monthly statement 
  • No outgoing electronic transactions

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.


Transaction Limits

Transaction limits apply to all savings accounts. Under federal regulations, you are allowed up to six pre-authorized withdrawals per monthly statement cycle, including telephone or electronic transfers. 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.

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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