Vintage CSB banking pouch with Millersburg and Walnut Creek locations listed.

Christmas Club Account

An easy, automatic way to save for the holidays—with no monthly service charge and no minimum balance.
 

HOLIDAY SAVINGS. MADE SIMPLE.

 
Save a little throughout the year and enjoy a stress-free season.

CSB’s Christmas Club helps you build savings automatically—just in time for holiday shopping. No minimums, no monthly service charges, and interest you can look forward to.
 
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Exploring Your Options?

 
We offer a variety of savings accounts to match your goals.
 






Simple, automatic savings — here’s how your Christmas Club account works.
$1 deposit required to open this account.
Monthly Interest Payments
Compounded and credited monthly when balance is under $5,000.
No Monthly Service Charge
There are no fees as long as there are no withdrawals before maturity.
Additional Details
  • No monthly statement provided
  • No outgoing electronic transfers allowed
  • A $10 fee applies for early closure or any withdrawal before maturity
The Commercial and Savings Bank reserves the right to accept deposits from its local market area. No brokered deposits.


















Your Questions, Answered.

Make regular contributions throughout the year. When the account matures, your savings (plus interest) are available just in time for the holidays.
Interest is compounded monthly and paid at maturity. Interest is not paid on balances over $5,000.
Yes, but a $10 penalty applies for early withdrawals or account closure before maturity. This account is designed to help you save without touching your funds.
No. This account does not include monthly statements or outgoing electronic transfers. However, you can view account balances via CSB Online and Mobile Banking.
You can view our General Fee Schedule for more details on services like overdraft protection, stop payments, and more.






Let’s Get You Started

Start online or stop by a branch—it’s fast, easy, and backed by real people who care.