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Personal Banking Checking
 
 


Personal Checking Account
The basic checking account that gives you the option of avoiding monthly service charges

CSB Preferred Checking Account                                                                     Finally, an account that pays you back! You can save hundreds, even thousands of dollars, while protecting the things you value most....Your Life, Your Health, Your Identity!

CSB Secure Checking Account                                                                         The account with maximum benefits.... at a minimal cost

NOW Checking Account
The interest bearing checking account

Money Market Checking Account
The interest bearing checking account with limited check writing

  

 

 

 

  Personal Checking Account                                                                          The basic checking account that gives you the option of avoiding monthly service charges.

  • Master Money Debit Card (fees may be incurred at a foreign bank's atm, $ 1.00 monthly fee per card on account).
  • Free ATM Service at Citizens State Bank locations.
  • Free Internet Banking
  • Free 24hr Telephone Banking
  • Free monthly bank statement with imaging of cancelled checks.
  • *Bill Pay  (3 month FREE trial period).
  • **We offer a $ 600.00 Ocassional Overdraft Privilege Service(OOPS!)       
  •   If you close your account within 90 days a fee of $ 50.00 will apply.
  • Monthly maintenance fees: (  A fee of $ 8.00 if the daily collected balance falls below $300.00 any day of the statement cycle.$ 5.50 if daily collected balance falls below $ 500.00).    

* $5.95 after the 3 month trial period.

** Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means.  Our normal non-sufficient funds or overdraft charge (currently $30.00) will apply to each item overdrawing your account.  Typically, we will charge this $1.00 daily overdraft fee for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance.  Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%.We reserve the right to require you to repay your overdrafts immediately or on demand. To qualify account must be opened  for at least thirty (30) days and must have cumulative deposits of at least $ 400.00.

 

 CSB Preferred Checking Account                                                             Finally, an account that pays your back! You can save hundreds, even thousands of dollars, while protecting the things you value most....Your Life, Your Health, Your Identity!

  • Master Money Debit Card (fees may be incurred at a foreign bank's atm, $ 1.00 monthly fee per card on account).
  • Free ATM Service at Citizens State Bank locations.
  • Free Internet Banking
  • Free 24hr Telephone Banking
  • AD&D Insurance
  • Identity Theft 911
  • Travel Assistance
  • Grocery Coupons
  • Travel savings and Vacation Packages
  • Online Shopping discounts
  • *Bill Pay (3 month FREE trial period).
  • **We offer a $ 600.00 Ocassional Overdraft Privilege Service(OOPS!)  
  • If you close your account within 90 days a fee of $ 50.00 will apply.
  • Monthly maintenance fee of $6.00 will apply

* $5.95 after the 3 month trial period.

** Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means.  Our normal non-sufficient funds or overdraft charge (currently $30.00) will apply to each item overdrawing your account.  Typically, we will charge this $1.00 daily overdraft fee for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance.  Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%.We reserve the right to require you to repay your overdrafts immediately or on demand. To qualify account must be  opened  for at least thirty (30) days and must have cumulative deposits of at least $ 400.00.


 

 

 CSB Secure Checking Account                                                                     The account with maximum benefits.... at a minimal cost

  • Master Money Debit Card (fees may be incurred at a foreign bank's atm, $ 1.00 monthly fee per card on account).
  • Free ATM Service at Citizens State Bank locations.
  • Free Internet Banking
  • Free 24hr Telephone Banking
  • AD&D Insurance
  • Identity Theft 911
  • Travel Assistance Services
  • *Bill Pay (3 month FREE trial period).
  • **We offer a $600.00 Occasional Overdraft Privilege Service(OOPS!)      
  •   If you close your account within 90 days a fee of $ 50.00 will apply.
  • Monthly maintenance fee of $4.00 will apply   

* $5.95 after the 3 month trial period..

** Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means.  Our normal non-sufficient funds or overdraft charge (currently $30.00) will apply to each item overdrawing your account.  Typically, we will charge this $1.00 daily overdraft fee for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance.  Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%.We reserve the right to require you to repay your overdrafts immediately or on demand. To qualify account must be  opened  for at least thirty (30) days and must have cumulative deposits of at least $ 400.00.

 
 

  NOW Checking Account
The interest bearing checking account

  • Master Money Debit Card (fees may be incurred at a foreign bank's atm, $ 1.00 monthly fee per card on account).
  • Free ATM Service at Citizens State Bank locations.
  • Free Internet Banking
  • Free 24hr Telephone Banking
  • Free monthly bank statement with imaging of cancelled checks.
  • *Bill Pay (3 month FREE trial period).
  • Interest earned on daily collected balance of $ 1,000 or more.
  • **We offer a $ 600.00 Occasional Overdraft Privilege Service(OOPS!)
  • If you close your account within 90 days a fee of $ 50.00 will apply.
  • First 50 debits posted to the account during the statement cycle are free,(any additional debit transaction will be assessed a $0.25 per item fee).

* $5.95 after the 3 month trial period.

** Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means.  Our normal non-sufficient funds or overdraft charge (currently $30.00) will apply to each item overdrawing your account.  Typically, we will charge this $1.00 daily overdraft fee for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance.  Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%.We reserve the right to require you to repay your overdrafts immediately or on demand. To qualify account must be  opened  for at least thirty (30) days and must have cumulative deposits of at least $ 400.00.


 

  Money Market Checking Account
The interest bearing checking account with limited check writing.

  • Master Money Debit Card (fees may be incurred at a foreign bank's atm, $ 1.00 monthly fee per card on account).
  • Free ATM Service at Citizens State Bank locations.
  • Free Internet Banking
  • Free 24hr Telephone Banking
  • Free monthly bank statement with imaging of cancelled checks.
  • *Bill Pay (3 month FREE trial period).
  • Interest earned on daily collected balance of $ 2,000.00 or more.
  • If you close your account within 90 days a fee of $ 50.00 will apply.
  • An NSF fee of $ 30.00 will be assessed for any item being paid or returned.
  • Transaction Limitations:
    • Covered Transfers and Withdrawals:
    • A depositor may make no more that six (6) covered withdrawals per statement cycle.
    • Transfers or Withdrawals made to another account of the same depositor at the same bank and to a third party, if made by preauthorized transfer, automatic transfer, by telephone, including fax, or with the bank's home or internet banking service.
    • Non-Covered Tranfers and Withdrawals:
    • There is no limit the the number of non-covered transfers of withdrawals.
    • Transfers for the purpose of repaying loans and associated expenses at the same bank.
    • Transfers from one account of the depositor to another account of the same depositor and withdrawals, from the account, of made by mail, ATM, or in person.
    • Withdrawals made by telephone via check mailed to the depositor and transfer into the account.
    • Monthly maintenance fees: ( A fee of $ 10.00 will apply if  daily collected balance falls below $2000.00 any day of the statement cycle  ).

* $5.95 after the 3 month trial period.

  

 
Member FDIC