Treat Yourself with a gift this holiday season when you open an Edge Checking by Community State Bank^TM account by December 31, 2024.

New Edge Checking by Community State Bank™ bonus offer details: One gift allowed per new account. Bonus/Gift options are: $300 bonus, Yeti Tundra 45 Cooler (retail value: $300), or Apple Watch SE 40MM (retail value: $249.00). Bonus or gift will be paid within 30 calendar days of when the following occurs: 1) open a new checking account, which is subject to approval; 2) a reoccurring direct deposit transaction has occurred; 3) and the debit card has been used a minimum of 15 times during qualifying period. Examples of direct deposits would be an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person payments (such as Zelle, Venmo or CashApp) are not considered a direct deposit. Additional terms of the bonus offer includes: Offer valid only when opening an Edge Checking by Community State Bank™. Account must be opened a minimum of 90 calendar days. Requirements must be met within the 90 calendar days of account opening. Offer is limited to one per customer and account (including signers on joint accounts). Offer is not available for existing Community State Bank personal checking account customers (including signers on joint accounts) or those who have closed a CSB personal checking account within the past 12 months. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid. Cannot be combined with other offers. Accounts and offers are only eligible to Iowa residents. We will deposit your bonus into your new checking account within 30 calendar days after you have met all offer requirements. Cash bonus or gift retail value will be reported to the IRS for tax purposes and you are responsible for any applicable taxes. Consult your tax advisor. Promotion ends 12/31/2024 and is subject to change without notice.

Annual Percentage Yield (APY). Rates may change after account opening. APY is accurate as of October 17, 2024, and is not an introductory rate. Rates will be paid only for that portion of your daily balance in each tier. 4.00% APY is for daily balances up to $25,000. To obtain the premium APY and ATM refunds, you must have an opening deposit of $100 and meet the following requirements listed above for the Edge Checking account by Community State Bank™: 1) a minimum of 15 VISA® debit card transactions posted per statement cycle. ATM transactions do not count towards this total; 2) set up a minimum of one direct deposit; 3) Receive your monthly statements for this account electronically. Personal online banking enrollment and a valid email address are required to receive electronic statements. An interest rate of 3.93% will be paid only for that portion of your daily balance that is $25,000 or less. The APY for this tier will be 4.00%. An interest rate of .34% will be paid only for that portion of your daily balance that is greater than $25,000. The APY range for this tier will be 4.00% to 1.07%. If your daily balance is $25,000 or less and you have not met the account requirements, the interest rate and annual percentage yield paid on that portion of your balance will be .10% APY. If your daily balance is $25,000 or more and you have not met the account requirements, the interest paid on that portion of your daily balance will be .01% with an annual percentage yield range of .10% to .03%.

ATM Refunds: Maximum ATM fee refund of $20 per month. Must meet account requirements. A $3.95 monthly statement fee will be assessed on accounts that do not sign up for e-Statements within 90 days of account opening. Fees may reduce earnings.

CSB participates in Money Pass, Accel, and Plus, which are ATM surcharge free networks. If you use an ATM that is not part of these networks, the ATM owner may charge you a surcharge fee. The customer will receive a credit the next business day after the ATM surcharge fee is incurred and posted, however if you do not meet the above account requirements, the bank will debit the account for the non-CSB ATM credits that were received throughout the month.