CSB Preferred Checking Account

CSB Preferred Checking Account

Additional Terms. The following additional terms apply to this 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 services at Citizens State Bank Locations
  • Free Internet Banking
  • Bill Pay (3 month FREE trial period)***
  • ***Bill pay allows up to 10 payments each month for only $5.95 per month. Payments in excess of 10 are charged $0.45 each.
  • Free 24 hour telephone banking
  • AD&D Insurance
  • Identity Theft 911
  • Travel Assistance
  • Grocery Coupons
  • Travel Savings and Vacation Packages
  • Online Shopping Discounts
  • You will receive a bank statement only, (no cancelled checks and no imaging).
  • Free 2 copies of cancelled checks per month. A fee of $2.00 for additional copies.
  • We offer a $600.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.
  • Occasional Overdraft Privilege Service (OOPS!) is a purely discretionary courtesy service and we are not obligated to pay any item. Overdrafts may be created by check, in person (teller) withdrawal or electronic means. The overdrawn balance must be paid within 35 days or the overdraft privilege will be terminated. Please ask for an overdraft policy for more information.
  • We will charge your account a $2.00 per calendar day “daily overdraft fee” after the 7th consecutive business day your account is overdrawn.
  • An Overdraft fee of $32.00 will be assessed for any item being paid with your overdraft limit.
  • An NSF fee of $32.00 will be assessed for any item being paid or returned.
  • Citizens State Bank policy is to pay items from lowest – highest dollar amount.
  • If you close your account within 90 days a fee of $50.00 will apply.
  • If your account is at zero balance for 30 consecutive days it will be considered closed.
  • Monthly Maintenance Fee of $6.00 will apply.