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Personal Bank Accounts

Whether you’re looking for easy access, no fees, interest, rewards, or travel perks - we got you covered with the right account to help get you where you want to be. Pay with a tap of your phone or smartwatch when you add your CSB debit card to your digital wallet.


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Whether you’re looking for easy access, no fees, interest, rewards, or travel perks - we got you covered with the right account to help get you where you want to be.

CSB checking accounts offer online banking, unlimited Bill Pay, and CSB Simply Mobile banking service – fast and free!


Edge Checking by Community State Bank™

Looking for a checking account with a premium interest rate and ATM fee refunds?  Then you'll love Community State Bank's Edge Checking Account. With Edge, you'll earn a 4.00% APY1 and receive refunds for ATM fees2 if you:

  • Open your account with a minimum of $100
  • Use your Visa® debit card 15 times per month (excludes ATM-based transactions)3
  • Receive your monthly statements via eStatements4
  • Set up at least one monthly direct deposit
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $25,000.00 4.00% $100.00
$25,000.01 + 1.07% $100.00

1Annual Percentage Yield. Rate may change after account opening. APY is accurate as of March 1, 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 requirements listed above for the Edge Checking account by Community State Bank. 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%. (2) Maximum ATM fee refund of $20 per month. (3) The 15 Visa debit card transactions must post during the statement cycle. (4) Valid email address required. 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. Member FDIC

Set Sail Simple Checking

A checking account that helps you live your life with the ease and convenience you expect

  • $100 to open
  • No minimum balance required
  • Free CSB debit card, online banking, and unlimited Bill Pay
  • No $3.95 paper statement fee when you sign up for e-Statements
  • No $7 monthly fee if there is activity on your account

Voyage Rewards

Higher interest and cash rewards for power debit card users

  • $100 to open
  • No minimum balance required
  • Free CSB debit card, online banking and unlimited Bill Pay
  • No $3.95 paper statement fee when you sign up for e-Statements
  • Up to $5 non-CSB ATM fees refunded if 12 or more debit card purchases per statement cycle
  • Monthly Cash Rewards2
    • $2 monthly reward when debit card purchases total $300-$1000 
    • $5 monthly reward when debit card purchases exceed $1,000 
  • $2 monthly reward when $15,000 balance in a personal Money Market and/or Savings Account
  • $5 service fee waived if one of these benefits are used per statement cycle: Two Bill Pay2 Transactions, One Direct Deposit, One ACH Account, One Consumer Loan
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $499.99 0.00% $100.00
$500.00 - $9,999.99 2.01% $100.00
$10,000.00 + 0.10% $100.00


Journey Privileges

Earn higher interest and benefit from multiple bank relationships

  • $100 to open
  • $10,000 minimum combined balance in deposit and/or loan account(s) or $2,500 minimum combined balance in deposit accounts3
  • Tiered interest paid monthly
  • Free CSB debit card, online banking and unlimited Bill Pay
  • Free Journey wallet checks or $5 discount on other styles
  • .20% rate bonus on standard CDs/IRAs of $2,500+
  • .25% reduction on closed-end consumer loan rates
  • $10 discount on any safe deposit box
  • $100 mortgage origination discount
  • No $15 monthly fee per statement cycle when minimum balance requirements are met
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $499.99 0.00% $100.00
$500.00 - $9,999.99 2.11% $100.00
$10,000.00 + 0.10% $100.00

Select 50 On The Go - age 50 and older

Travel benefits and higher interest earnings so you can get to the good stuff.  Learn more about Select 50 travel and other perks.

  • $100 to open
  • $15,000 minimum combined balance in checking/other deposit accounts or $1,500 minimum checking balance4
  • Tiered interest paid monthly
  • Free debit card, online banking and unlimited Bill Pay
  • Free Select 50 wallet checks or $5 discount on other styles
  • .30% rate bonus on standard CDs/IRAs of $5,000+
  • .25% reduction on closed-end consumer loan rates
  • $10 discount on any size safe deposit box
  • $100 mortgage origination discount
  • Travel opportunities
  • No fee gift cards
  • Retirement income and estate planning services5
  • Medical expense waiver on CDs (examples of unexpected illnesses may be emergency hospitalization, rehab/therapy, or nursing home care.)6
  • No $10 fee per statement cycle when minimum balance requirements are met
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $499.99 0.00% $100.00
$500.00 - $9,999.99 2.21% $100.00
$10,000.00 + 0.10% $100.00

All activity required must post to your account within the statement cycle in order to receive the benefit. Fees incurred are not considered account activity.

(1) Annual Percentage Yield. Rates subject to change. Fees may reduce earnings-see account information. Please consult a CSB personal banker.(2) Any rewards earned will be tax reportable. (3) Combinations of checking, savings, Money Market savings, CDs, IRAs, personal loans and lines of credit OR combination of checking, savings, Money Market savings, CDs and IRAs. (4) Combination balance of checking, savings, Money Market savings, CDs and IRAs. (5) Registered representative of and securities and investment advisory services offered through Cetera Advisor Networks LLC. Member FINRA/SIPC. CSB Financial Advisors and Cetera Advisor Networks LLC are not affiliated. Not FDIC Insured. Not insured by any Federal Government Agency. Not a deposit. Not guaranteed by the Bank. May go down in value. (6) Please note that documentation of the unexpected medical expense may be requested.

BankOn Checking

The BankOn Checking account helps to establish a banking relationship, whether you are establishing a bank account for the first time or have encountered difficulties in the past and want a second chance at rebuilding your financial history.(1)

Community state bank csb bankon checking
  • Safe and secure account for storing earnings and starting savings
  • Visa debit card
  • No fee ATM access
  • Online and mobile banking
  • Online bill pay
  • No $2.00 paper statement fee when you sign up for e-Statements
  • Open account with $25 or less
  • $5 monthly service charge
  • No Overdraft or NSF fees(2)
  • No early account closure or dormant fees will be charged on this account

 To learn more about the benefits of BankOn Checking, or to open an account, please contact or visit any of our branch locations.


(1) Consumers with a previously reported negative bank history are eligible to upgrade to a different product type after 12 months in good standing.

(2) This account is not eligible for our Overdraft Protection services. Account allows spending of funds available in the account. A transaction may get declined or returned if there is not enough money in the account to cover the item. There may be situations where the account may be overdrawn causing a negative balance, but an overdraft fee will not be assessed. Account holders are expected to remedy the overdrawn balance as soon as they are aware. Multiple instances of the account being overdrawn may result in the account being closed for misuse.

Whether it’s your first account, you’re saving for a special purchase, or strengthening a long-term savings plan, your financial future starts with the right account to help get you where you want to be.

CSB savings accounts offer online and CSB Simply Mobile banking service – fast and free!


Minor* Savings

Get your kids and young adults started on the road to great saving habits 

  • No minimum balance required 
  • Interest paid quarterly 
  • 6 free withdrawals per calendar month ($8 fee per withdrawal in excess of six) 
Minimum Balance for APY1 APY1 Minimum to Open
$25.00 0.15% $25.00

* For individuals age 18 and younger. Will be converted to a minimum balanced required Savings account when account holder reaches age 18 unless otherwise requested. Children's Online Privacy Policy. (1)Annual Percentage Yield. Rates subject to change. Fees may reduce earnings-see account information. Please consult a CSB personal banker.


Savings

A smart and easy way to gradually build your savings growth and peace of mind

  • No $1.50 monthly fee when you maintain a $100 balance
  • Interest paid quarterly
  • Free ATM card
  • 6 free withdrawals per calendar month ($8 fee per withdrawal in excess of 6)
Minimum Balance for APY1 APY1 Minimum to Open
$100.00 0.15% $100.00

(1) Annual Percentage Yield. Rates subject to change. Fees may reduce earnings-see account information. Please consult a CSB personal banker.

Money Market Savings

Get more bang for your buck with higher-yield earnings on higher balances

  • No $10 monthly fee when you maintain a $1,000 balance
  • Tiered interest paid monthly
  • Free debit card
  • 6 free withdrawals per statement cycle ($8 fee per withdrawal in excess of 6)
  • No $3.95 paper statement fee when you maintain a $5,000 balance or sign up for eStatements 
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $9,999.99 0.40% $1,000.00
$10,000.00 - $49,999.99 1.01% $10,000.00
$50,000.00 - $99,999.99 1.01% $50,000.00
$100,000.00 - $249,999.99 1.07% $100,000.00
$250,000.00 + 1.15% $250,000.00

(1) Annual Percentage Yield. Rates subject to change. Fees may reduce earnings-see account information. Please consult a CSB personal banker.

First-Time Homebuyer*

Earn interest and get tax benefits while saving for the perfect home 

  • $100 to apply 
  • Interest paid quarterly 
  • No $1.50 monthly fee when you maintain a $100 balance
  • First-time homebuyers, parents, and grandparents can apply for Homebuyer savings


    Minimum Balance for APY1 APY1 Minimum to Open
    $25.00 0.15% $100.00

    * First-Time Homebuyer Savings Account is a deposit account created for the purpose of saving for a down payment for a single-family, primary residence in the state of Iowa. You may be eligible for a state tax deduction. Learn more about first-time homebuyer qualifications, deduction limits, account owner responsibilities, and spending account funds. Interest earned on the account is not taxable. CSB does not provide tax or legal advice. Please consult your tax advisor prior to applying for a First-Time Homebuyer Savings Account. (1) Annual Percentage Yield. Rates subject to change. Fees may reduce earnings-see account information. Please consult a CSB personal banker.


    Health Savings Account (HSA) *

    The Health Savings Account (HSA) is a tax advantage savings plan available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP) and are used to cover current and future medical expenses. An HSA allows contributions to be added before tax is paid on it and then to withdraw the money tax-free2 for qualified medical expenses. HSAs help to manage medical expenses and reduce the continuing growth of healthcare costs.

    Learn more about the benefits of a Health Savings Account paired with a high deductible health plan and how to open your account.

    * The Health Equity Account is not insured by FDIC or any other government agency | Not bank guaranteed | Not bank deposit or obligation | May lose value. (2) HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-deductible with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.

    Whether you're looking to invest and save for a short period or long-term, your financial future starts with the right account to help get you where you want to be.


    4.79%(1) 10-month "add on" CD Special*

    Build a predictable investment return to achieve longer-term goals with safe, stable CD options

    • $2,000 minimum deposit
    • 10 month term
    • Early withdrawal penalties may apply
    Minimum Balance for APY1 APY1 Minimum to Open
    $2,000.00 + 4.79% $2,000.00

    1Annual Percentage Yield rate current as of April 10, 2024. Early withdrawal penalties may apply. Rates subject to change.

    *CD Special not eligible for bump-up rates; add-on is a minimum of $1,000 or more.

    91-day CD

    Build a predictable investment return to achieve longer-term goals with safe, stable CD options

    • 91-day term
    • $2,000 Minimum
    • Bump-up bonus rate for qualified accounts
    • Consumers will auto-renew at a regular 91-day CD; businesses are single maturity
    • Early termination penalties apply (3 months interest)
    • No Financial Institutions
    Minimum Balance for APY1 APY1 Minimum to Open
    $2,000.00 - $24,999.00 0.60% $2,000.00
    $25,000.00 - $99,999.00 0.70% $25,000.00
    $100,000.00 + 0.80% $100,000.00


    182-Day CD

    Build a predictable investment return to achieve longer-term goals with safe, stable CD options

    • $2,000 minimum deposit
    • 182-day month term
    • Early withdrawal penalties may apply
    Minimum Balance for APY1 APY1 Minimum to Open
    $2,000.00 + 1.20% $2,000.00

    1 Year CD

    Build a predictable investment return to achieve longer-term goals with safe, stable CD options

    • $2,000 minimum deposit
    • 1 year term
    • Early withdrawal penalties may apply
    Minimum Balance for APY1 APY1 Minimum to Open
    $2,000.00 - $24,999.00 0.70% $2,000.00
    $25,000.00 - $99,999.00 0.80% $25,000.00
    $100,000.00 + 1.20% $100,000.00


    2 Year CD

    Build a predictable investment return to achieve longer-term goals with safe, stable CD options

    • $2,000 minimum deposit
    • 2 year term
    • Early withdrawal penalties may apply
    Minimum Balance for APY1 APY1 Minimum to Open
    $2,000.00 - $24,999.00 0.70% $2,000.00
    $25,000.00 - $99,999.00 0.80% $25,000.00
    $100,000.00 + 1.20% $100,000.00

    1Annual Percentage Yield (APY) rates current as of 4/10/2024.

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