Checking & Savings Accounts

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Multiple Options for You to Choose From

No two people have the exact same financial situations. That's why it pays to have a checking and savings account that are fitted to your finances. Our personal banking staff will gladly help you sort through the checking and savings accounts we offer to find the ideal fit for you.

Order Checks

Checking Options

Consumer Checking

• Best if you want a low-cost checking account
• FREE Online Banking, eStatements, Bill Pay, and Debit Card
• Monthly service fee waived if account is enrolled in eStatements or holds at least a $500 average daily balance; otherwise, $5 monthly service fee
• No minimum balance required; average daily balance at least $500 to avoid monthly fee
• No transaction limits
• $100 opening deposit
• Optional Identity TheftSmart Protection available for a monthly fee

CSB Senior Checking

• Exclusively for account holders at least 60 years of age
• FREE Online Banking, eStatements, Bill Pay, and Debit Card
• No service fee
• $1 minimum balance
• No transaction limits
• $100 opening deposit
• Optional Identity TheftSmart Protection available for a monthly fee

NOW Checking

• Best if you can carry a balance over $1,000 in your checking account and want to earn interest on your funds
• Interest-bearing account
• FREE Online Banking, eStatements, Bill Pay, and Debit Card
• $1,000 minimum average daily balance requirement with no fees; $5 fee for balances below $500 and $3 fee for balances $500 or greater but less than $1,000
• No transaction limits
• $1,000 opening deposit
• Optional Identity TheftSmart Protection available for a monthly fee

Premier Money Market Account

• Best if you can keep a large balance and want to be rewarded for it
• Interest-bearing account; tiered interest earned
• FREE Online Banking and eStatements
• Monthly service fee waived if account holds a $5,000 average daily balance; otherwise, $20 monthly service fee
• $5,000 opening deposit
• Six withdrawals per month; $10 per excess withdrawal
• Optional Identity TheftSmart Protection available for a monthly fee

Savings Options

Savings

• Best if you are just starting a savings plan or can only devote a little bit of your income to savings
• Interest-bearing account
• FREE Online Banking and eStatements
• $50 minimum average daily balance requirement; balances below $50 will not earn interest and account may be closed
• Immediate access to funds
• $100 operning deposit
• Six free withdrawals per month; $5 per excess withdrawal
• Optional Identity TheftSmart Protection available for a monthly fee

ILUTMA - Illinois Uniform Transfer to Minors Act Account

• Our savings account with specific protections for minors.
• Funds owned by, but are not directly accessible by, the minor account holder until they reach age 21
• Only one adult custodian can be listed on the account
• A successor custodian may be named
• Funds can be withdrawn for purposes that benefit the child that go beyond normal parental support obligations
• Optional Identity TheftSmart Protection available for a monthly fee

Certificates of Deposit

• Ideal for you if you want to grow excess funds securely over a certain period of time
• Competitive rates on terms that last up to 5 years
• Penalties may apply for early withdrawal

Get Started Today!

Make an appointment with any of the following Community State Bank team members to go through all the details and help you choose the right account combination. You can also stop by any of our offices during business hours to learn more or open your account.