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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.


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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!


Set Sail Simple Checking

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

  • No minimum balance required
  • Free CSB debit card, online banking, and unlimited Bill Pay
  • No $2.95 paper statement fee when you sign up for e-Statements
  • No $7 monthly fee if there is activity on your account1

Voyage Rewards

Higher interest and cash rewards for power debit card users

  • No minimum balance required
  • Free debit card, online banking and unlimited Bill Pay
  • No $2.95 paper statement fee when you sign up for e-Statements
  • Up to $5 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 2.00% $100.00
$10,000.00 + 0.10% $100.00

Journey Privileges

Earn higher interest and benefit from multiple bank relationships

  • $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 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.

  • $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.

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 ($5 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 ($5 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 ($11 fee per withdrawal in excess of 6)
  • No $2.95 paper statement fee when you maintain a $5,000 balance or sign up for eStatements 
Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 - $9,999.99 0.25% $1,000.00
$10,000.00 - $49,999.99 0.50% $10,000.00
$50,000.00 - $99,999.99 0.65% $50,000.00
$100,000.00 - $249,999.99 0.75% $100,000.00
$250,000.00 + 0.85% $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 
  • No $2.95 paper statement fee when you maintain a $5,000 balance or sign up for eStatements  
  • 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.


CDs

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

  • $2,000 minimum deposit
  • Terms for traditional CDs 91 days to 2 years
  • Terms for IRAs 1 to 2 years
  • Early withdrawal penalties may apply
Minimum Balance for APY1 APY1 Minimum to Open
$2,000.00 - $24,999.99 0.70% $2,000.00
$25,000.00 - $99,999.99 0.80% $2,000.00
$100,000.00 + 1.20% $2,000.00


1.20% 6-month CD

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

  • 1.20% Annual Percentage Yield (APY)*
  • 6-month term
  • $2,000 Minimum
  • Bump-up bonus rate for qualified accounts
  • Consumers will auto-renew at a regular 6-month 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 + 1.20% $2,000.00

2.40% 12-month Jumbo CD

  • 2.40% Annual Percentage Rate (APY)*
  • 12-month term
  • $100,000 Minimum - New money
  • NO bump-up bonus rate – all CDs at 2.40%
  • Consumers will auto-renew at a regular 12-month CD; businesses are single maturity
  • Add-on feature – minimum $100,000 new money for the initial CD, add-on money can be from existing deposits or new deposits and added to CD balance anytime during the initial 12-month term – minimum $1,000 increments to add-on
  • Early termination penalties apply (3 months interest)
  • No Financial Institutions
Minimum Balance for APY1 APY1 Minimum to Open
$100,000.00 + 2.40% $100,000.00

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