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!
Teen Checking
- $25 to open
- No minimum balance required
- No monthly service fee
- $3.95 paper statement fee (waived with eStatement enrollment)
- Earn cash rewards for milestone celebrations such as birthday, driver’s license, diploma
- Tiered interest paid monthly
- Debit card, free online banking, unlimited bill pay.
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $2,499.99 | 4.00% | $100.00 |
| $2,500.00 + | 0.18% | $100.00 |
Annual Percentage Yield (APY) accurate as of October 5, 2026. Rates will be paid only for the portion of your daily balance in each tier. An interest rate of 3.93% will be paid on balances up to $2,500.00. The APY for this tier is 4.00%. An interest rate of 0.10% will be paid for the portion of your balance that is greater than $2,500. The APY range for this tier is 4.00% to 0.18%. Fees may reduce earnings.
Core Checking
- $100 to open
- No minimum balance required
- No monthly service fee
- $3.95 paper statement fee (can be waived with eStatement enrollment)
- Debit card, free online banking, unlimited bill pay
- Non-interest bearing account
Plus Checking
- $100 to open
- No minimum balance required
- $5 service fee per statement cycle, waived with:
- $3.95 paper statement fee (waived with eStatement enrollment)
- Cash rewards can be earned each statement cycle
- $2 reward if debit card purchases post totaling $300-$1,000 or
- $5 reward if debit card purchases post exceeding $1,000
- 1 electronic debit or credit per statement cycle
- Tiered interest paid monthly
- Debit card, free online banking, unlimited bill pay
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $499.99 | 0.00% | $100.00 |
| $500.00 - $9,999.99 | 0.95% | $100.00 |
| $10,000.00 + | 0.17% | $100.00 |
Annual Percentage Yield (APY) accurate as of October 5, 2026. Rates will be paid only for that portion of your balance in each tier. An interest rate of 1.00% will be paid on balances of $500 up to $9,999.99. The APY for this tier will be 0.00% to 0.95%. An interest rate of 0.10% will be paid on balances of $10,000 and above. The APY for this tier will be 0.95% to 0.17%. Fees may reduce earnings.
Select Checking
- $100 to open
- $10,000 minimum combined balance in deposit and/or loan account relationship or $1,500 minimum checking balance
- $10 monthly service fee if balance requirements not met
- No paper statement fee
- Waived gift card fees
- Waived official check fees
- $10 discount on safe deposit box
- Free wallet checks or $5 discount on other styles
- .25% rate reduction on closed-end consumer loan rates
- .30% rate bump up on new standard CDs of $5,000+
- Tiered interest paid monthly
- Debit card, free online banking, unlimited bill pay
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $499.99 | 0.00% | $100.00 |
| $500.00 - $9,999.99 | 1.92% | $100.00 |
| $10,000.00 + | 0.25% | $100.00 |
(1) Annual Percentage Yield (APY) accurate as of October 5, 2026. Rates will be paid only for that portion of your balance in each tier. An interest rate of 2.00% will be paid on balances of $500 up to $9,999.99. The APY for this tier will be 0.00% to 1.92%. An interest rate of 0.10% will be paid on balances of $10,000 and above. The APY for this tier will be 1.92% to 0.25%. Fees may reduce earnings.
Edge Checking®
- $100 to open
- No minimum balance required
- No service fee
- $3.95 paper statement fee (waived with eStatement enrollment)
- Premium interest paid monthly and ATM fees refunded if you:
- Use debit card 15 times per statement cycle (excludes ATM-based transactions)
- Receive your monthly statements via eStatements
- Set up at least one monthly direct deposit
- Debit card, free online banking, unlimited bill pay
| Minimum Balance for APY1 | APY1 | Minimum to Open |
| $0.01 - $25,000.00 | 4.00% | $100.00 |
| $25,000.01 + | 1.07% | $100.00 |
Annual Percentage Yield (APY) accurate as of October 5, 2026. The rates stated for the Edge checking are based on requirements met as stated in your account disclosures. Rates will be paid only for the portion of your daily balance in each tier. An interest rate of 3.93% will be paid on balances up to $25,000.00. The APY for this tier is 4.00%. An interest rate of .34% will be paid for the portion of your balance that is greater than $25,000. The APY range for this tier is 4.00% to 1.07%. If your daily balance is $25,000.00 or less and you do not meet the account requirements the interest rate and APY paid on that portion of your daily balance will be .10%. If your daily balance is greater than $25,000 and you have not met the account requirements the interest rate will be .01% with a APY range of .10% to .03%. Fees may reduce earnings.
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)
- 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 |
| $0.01 | 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 (APY) accurate as of 01/13/2025. 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 |
| $0.01 | 0.15% | $100.00 |
(1) Annual Percentage Yield (APY) accurate as of 01/13/2025. 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
- 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 - $499,999.99 | 1.15% | $250,000.00 |
| $500,000.00 + | 2.75% | $500,000.00 |
(1) Annual Percentage Yield (APY) accurate as of 12/17/2025. 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 |
| $0.01 | 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 (APY) accurate as of 01/13/2025. 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. Annual Percentage Yield (APY) accurate as of 01/13/2025.
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.
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 + | 4.02% | $2,000.00 |
(1) Annual Percentage Yield (APY) accurate as of 09/29/2026. 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 |
(1) Annual Percentage Yield (APY) accurate as of 01/13/2025.
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) Annual Percentage Yield (APY) accurate as of 01/13/2025.
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 |
(1) Annual Percentage Yield (APY) accurate as of 01/13/2025.
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 |
(1) Annual Percentage Yield (APY) accurate as of 01/13/2025.
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