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Wealth Management

Corporate Retirement Accounts

image of corporate retirement meeting

Employee Benefit Plans

If you would like to offer a retirement plan to your employees, CSB will serve as trustee to ensure that all retirement accounts are in compliance with government regulations. We will assist in formulating a plan to fit the varied needs of your employee base.

  • 401(k) with Roth options
  • 403(b) Plans with Roth options
  • Profit Sharing Plans
  • Pension Plans

Retirement Direct Features

The Retirement Direct Service Enables You To

  • Obtain Account Balances
  • Retrieve Fund Performance
  • Direct the Investments
  • Estimate Your Account Balance
  • Review Fund Investment Options

And Helps You

  • Change Future Investment Allocation of Contributions
  • Transfer Current Balances Among Investment Options
  • Project Future Estimated Growth
  • Review Outstanding Loan Amounts
The Retirement Direct Service was designed to provide you with the ultimate access to your account, using a touch tone phone or a computer with internet access.
Call the toll-free number at 888.907.4636 or go to to access account information.

For assistance logging in, call888.907.4636 or e-mail

Video Learning Center

By having a retirement plan with CSB via Retirement Direct you have access to helpful videos and resources to educate you on retirement strategies and asset allocation.

What Else is New on Retirement Direct?

Laptop with logo iconOnline Access

A welcome letter will be sent from Retirement Direct with your log in information. Once received:

  • Go to:
  • From the home page, select Login/Enroll and then click on the drop down box and click on 401 (k) Account.
  • User ID (if already set up) and Personal Identification Number (PIN)
  • Enter Your SSN & PIN
Account Summary
  • Contribution Type Summary
  • Investment Summary
  • Participant Summary
  • Investment Performance
  • Pending Activity
  • Transaction History
  • Statement on Demand

Participant Services
  • Auto-Rebalance
  • Investment %-Future Contributions
  • Realign Current Balance
  • Transfer Investments
  • Loan Modeling (for loan IRA plans only)
  • Change Participant PIN/User ID
  • Secret Question & Answer

Retirement Planning Tools
  • Account Projection
  • Financial Planning

  • Contact Information
  • Participant Notice
  • Frequent Trading Policy

Personal Performance
  • My Performance

Telephone IconPhone Access

A welcome letter will be sent from Retirement Direct with your access information. 

Once received:

  • Dial 888.907.INFO (4636)
  • Enter 1 for English or 2 for Spanish
  • Enter Your Social Security Number
  • Enter Your PIN

A recorded voice will assist you every step of the way. If you need help press *0. Once you have entered the main menu by pressing *6, the options available to you will be listed. You may transfer to a participant services representative by pressing *0 between 8:00 a.m. and 5:00 p.m. (EST), Monday through Friday.

Access Account Balances
  • Total Balances
  • Balance by Contribution Source
  • Balance by Fund
  • Balance Projection
Manage Your Account
  • Change Investment Elections for Future Contribution Deposits
  • Change Your PIN
Fund Transfers
  • To Initiate a Transfer of Assets Among Funds
Loan Information
(for loan IRA plans only)
  • Loan Balances
  • Loan Modeling
  • Loan Amount Available
Plan Information
  • Fund Descriptions and Performance

What are 401(k) and 403(b) Retirement Plans?

Both 401(k) and 403(b) plans are retirement plan options sponsored by employers. The name comes from the tax code sections where the information can be found. Both options come with Traditional and Roth options and are qualified tax-advantaged retirement plans. So what are the differences?


401(k) plans are offered by private for profit companies. Employees are able to make tax deferred contributions from their pay checks and can choose if the contribution are made post or pre-tax. Along with the availability of company match contributions, these types of accounts also allow for profit-sharing contributions. 


403(b) plans are offered by nonprofit organizations and government employers like public school and some ministries. These types of plans have the ability to invest in annuities and mutual funds. Many of the features found in a 403(b) plan are the same as a 401(k), like tax deferred contributions and company match, but it may depend on the employer. 

What are Profit Sharing Plans?

Profit Sharing Plans are a benefit offered by an employer. This type of plan shares the companies profits with its employees. These types of plans often come with a vesting schedule. Vesting schedules differ from plan to plan but it can take up to six (6) years to become fully vested. The amount added to the plans of each employee can also vary on how long employee has been at the company.

What does fully vested mean?

Fully vested means that an employee has stayed at a company long enough to have earned the right to keep 100% of the profit sharing or employer matching contribution. An employee is always 100% vested in their own contributions. Example: If in order to become fully vested an employee must stay for three (3) years and the employee left after two (2). Then the employee would only be able to take 66% of the employer match or profit sharing and the other 33% stays. 

What are Pension Plans?

Pension Plans are funds maintained by an employer on behalf of its employees. The funds gathered are usually invested in low risk investments. Contributions are tax differed like many other retirement plans. Often both the employer and employee contribute to these types of plans. Pension plans are then managed by an investment professional. At retirement, the amount an employee gets is determined by calculations of the amount contributed and number of years spent at the company.

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Prepared for informational purposes only.  CSB Wealth Management, Trust, and or brokerage products and services are: not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested.