Personal

Checking, Savings, & CDs

Where to begin?

Find the right account for you.

Simply answer a few short questions and we'll lay it out for you.

What are your goals for this account?
How much do you plan to keep in your account?
How much do you plan to keep in your account?
How soon will you need access to spend the money?
Are you enrolled in a High Deductible Health Plan (HDHP)
How much do you plan to keep in your account?
1 2 3

You receive the following value added features  with your CSB Checking Account:

Personal Debit Card

Debit Card

Laptop IconOnline Banking & Bill Pay

Message IconeStatements

Mobile Banking IconMobile Banking & Mobile Deposits

Mobile Banking Icon

Text Alerts/Text Banking

Team IconPerson to Person Payments

Graph IconQuicken

Telephone IconPhone Banking

Personal Checking Accounts Overview

 
Value Checking
Our most popular checking account.


Minimum Daily Balance 

None


Monthly Service Charge

$4

waived with one of the following monthly: 

  • Direct Deposit*
  • 12 purchase transactions**
  • Under age 19
  • Attending college***

Interest Payment

No


Get Started

Interest Checking
Perfect for customers who keep higher balances and want to earn interest.


Minimum Daily Balance

$1,000


Monthly Service Charge

$10

waived when minimum balance is maintained 


Interest Payment

Compounded and credited monthly


Get Started

Money Market
Competitive interest rates & convenient access to your funds. What could be better?


Minimum Daily Balance

$5,000


Monthly Service Charge

$15

waived when minimum balance is maintained


Interest Payment

Compounded and credited monthly


Get Started

Health Savings (H.S.A)
Pay for medical expenses tax-free when you have a High Deductible Health Plan (HDHP)


Minimum Daily Balance

$50


Monthly Service Charge

None


Interest Payment

Compounded and credited monthly

Learn More! 


Get Started

 
 
 
 
 
 
 
 

Personal Savings Accounts Overview

 
Statement Savings
Our most popular savings account seems like a traditional savings account, but convenient online access makes it even better. 


Minimum Daily Balance

$100


Monthly Service Charge

$3

waived with one of the following monthly: 

  • Own a CSB Checking account
  • Own a CSB CD account
  • Direct deposit*
  • Minimum balance maintained
  • Under age 19
  • Attending college**

Interest Payment

Tiered on balances $10 & up; 

Compounded and credited monthly


Additional Stipulations

None

Get Started

Passbook Savings
Traditional savings for customers who conduct transactions in the banking center. We help you keep track of your account with a printed passbook. 


Minimum Daily Balance

$100


Monthly Service Charge

$3

waived with one of the following monthly: 

  • Own a CSB Checking account
  • Own a CSB CD account
  • Direct deposit*
  • Minimum balance maintained
  • Under age 19
  • Attending college**

Interest Payment

Tiered on balances $10 & up; 

Compounded and credited monthly


Additional Stipulations
  • No monthly statement
  • No electronic transactions

Get Started

Money Market
Competitive interest rates coupled with convenient access to your funds. What could be better?


Minimum Daily Balance

$5,000


Monthly Service Charge

$15

waived when minimum balance is maintained.



Interest Payment

Tiered on balances $5,000 & up; 

Compounded and credited quarterly


Additional Stipulations

None

Get Started

Platinum Savings

Our highest interest savings account for higher balances


Minimum Daily Balance

$100,000


Monthly Service Charge

$25

waived when minimum balance is maintained.


Interest Payment

Compounded and credited monthly on balances $100,000 & up 


Get Started

Christmas Club

Save the easy way! Make your regular contributions throughout the year to save for the holiday season.


Minimum Daily Balance

None


Monthly Service Charge

None


Interest Payment

Compounded and credited monthly and at maturity 

Interest not paid on funds over $5,000


Additional Stipulations
  • No monthly statement
  • No early withdrawals*

Get Started 

Health Savings (H.S.A)
Pay for you and your dependents' medical expenses tax-free when you have a High Deductible Health Plan (HDHP)


Minimum Daily Balance

$50


Monthly Service Charge

None


Interest Payment

Compounded and credited monthly 


Additional Stipulations

None


Get Started 

 
 
 
 

Arrow and money bag icon

CDs help you earn higher interest on your funds than you would with a typical savings account. With a fixed maturity date, you select your term length, and then sit back and relax while earning interest. On fixed rate CDs, your interest rate will not change during the original term of your CD.


How to select a term length:

CSB offers terms ranging from 30 days up to five years with competitive rates. You will not be able to make deposits during the term of the CD*, and withdrawals are subject to early withdrawal penalties. Your interest rate is determined by the term length you choose.

*30 day savers CDs allow deposits at any time throughout the life of the account.


Check out our terms & rates! 


What happens after the maturity date?

At maturity you have a ten day grace period to either renew your CD into another term or withdraw the funds. Please note, our 30 day Savers CD has a five day grace period. If you do nothing during the grace period, your account will automatically renew into the term specified when you opened your account.


Monthly Service Charge:

  • None
Interest Payment:
  • Choose the interest payment that is right for you.
  • Compounded and credited monthly – earn interest on your interest
  • Direct deposit to your CSB checking or savings
  • Check via mail
Additional Information:
  • Penalty for early withdrawal may be imposed
  • Certain balance requirements may apply on CD terms
  • CDs are FDIC insured.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Save for your retirement years!

A CSB local expert will show you how.


Individual Retirement Accounts (IRAs) are a convenient way to provide income for your retirement years. Taxes on the earnings from your IRA are deferred until you begin withdrawing the money after age 59 ½ . You can count on a guaranteed rate of interest for a specified time when you invest your IRA in a certificate of deposit at CSB. Select from variable or fixed rates with a wide choice of terms. All term accounts renew automatically at rates being paid at that time. There may be a substantial penalty for early withdrawal.

Learn more about your retirement options:

Traditional IRA Roth IRA SEP IRA Brokerage

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

See Deposit Interest Rates


Savings and Money Market Accounts are subject to an Excess Debit fee for each transfer and/or withdrawal in excess of six (6) per monthly statement cycle in money market and savings accounts in accordance with Regulation D limits. A $2.00 excess debit fee applies.

An early closeout fee of $40 will apply to savings accounts closed within 90 days of opening. 

*We will impose a $10 penalty for early closure, and each withdrawal of funds prior to maturity from Christmas Club accounts.


General Fee Schedule


Overdraft Protection

For worry-free checking, add one or more of our Overdraft Protection Services to your account.Should an overdraft occur, CSB automatically and confidentially pays your overdraft by using one or more of the following:

Savings Overdraft Protection

This service allows you to automatically cover overdrafts by transferring funds directly from your CSB savings account.

Apply Today


Overdraft Line of Credit

Line of credit tied to your checking account that will cover overdrafts up to your line limit. Subject to credit approval.

Apply Today


Overdraft Privilege

An automatic service provided to qualifying checking accounts to protect you from having checks or other items returned due to insufficient funds. The service assures your overdrafts will be paid up to the limit established for the account. The standard non-sufficient fund fee is charged per item that overdraws the account.

Overdraft Privilege Service Policy 


Ready to make a change?

Apply today.


Let’s get started!



Image of a person texting

Bank anywhere and everywhere.

Sign up for Mobile Banking.


Manage your accounts, transfer money, deposit checks, and more with CSB Mobile Banking.

Learn more