Value Checking
Our most popular checking account—no minimum balance, flexible ways to waive the fee, and everything you need for everyday banking.
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Simple. Built for everyday life.
Our most popular account—built for everyday simplicity. Straightforward, flexible, and ready when you are.
Value Checking — we’ve made everyday banking easy.
$25 deposit required to open the account.
No Interest Payments
This account does not earn interest.
This account does not earn interest.
$4 Monthly Service Charge
Automatically waived when you meet one of the requirements detailed below.
Monthly service charge is waived if one of the following conditions are met:
- You receive at least one (1) direct deposit per month statement cycle
- You conduct 12 debit card point of sale transactions per month statement cycle
- You're under age 19
- You're attending college (must notify CSB)
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.
Your Questions,
Answered
How do I waive the $4 monthly service charge?
You can automatically waive the monthly service charge if one of the following conditions are met:
- You receive at least one (1) direct deposit per monthly statement cycle
- You conduct 12 debit card point of sale transactions per month statement cycle
- You're under age 19
- You're attending college (must notify CSB)
Do I need to keep a minimum balance?
Nope! Value Checking has no minimum balance requirement.
Can I earn interest with this account?
No, Value Checking does not earn interest. If you’re looking for an interest-earning option, we are happy to help you find a better fit.
Are there any early closure fees?
Yes. A $40 fee applies to any checking or savings account closed within 90 days of opening.
Where can I find the general fee schedule?
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.