CHECKING AND SAVINGS ACCOUNTS 

ATM AND DEBIT CARDS 

 

                                       Regular        Hometown       N.O.W.         Money Market 

Opening Balance      $100.00    $100.00              $750.00         $1,000.00 

Interest Bearing                   No                         No                                       Yes                                Yes 

Service Charge(1)                None(2)                 None                               None(3)                None(3) 

Daily Balance(1)                  Minimum of          None                               Average of               Average of                                                                                                   $500.00                                                                  $750.00                     $1000.00  

Check Images                           Yes                                     No                        Yes                         Yes 

Preauthorized  

Transfers(2)                             Unlimited                   Unlimited                 Unlimited         6(5) 

Check Writing                         Unlimited                   Unlimited                    30(4)                 3 

 

1 Per monthly cycle 

2 If minimum daily balance is maintained 

3 If average daily balance is maintained 

4 Subject to debit fees for over 30 debits per monthly statement cycle 

5 Preauthorized transfers are limited to 6 per calendar month with no more than 3 by draft or similar order 

 

We offer different saving accounts to help you save for the future! 

 

                                        Regular          Christmas Club              Health Savings 

Opening Balance        $100.00             $3.00                                       $100.00  

Interest Bearing               Yes                    Yes                                              Yes  

Service Charge               None(1)             None                                       $20.00(2)  

Withdrawals(3)                  15(4)                    None(5)                                Unlimited  

 

1 If $100 daily balance is maintained each quarter 

2 Annually  

3 Preauthorized transfers are limited to 6 per calendar month with no more than 3 by draft or similar order 

4 Subject to debit fees for over 15 debits per quarter 

5 A check will be issued on the third Thursday in October 

 

Other Services for your checking and savings accounts: 

 

ATM Cards 

With your Shazam Card banking is more convenient than ever.  You can bank at any automatic teller machine (ATM) or Point of Sale (POS) terminal displaying any of the symbols symbols on the back of your card. 

With your Shazam ATM card you will no longer have to worry about getting to the bank on time or running short of cash on weekends or holidays.  With your card, you will receive a personal identification number (PIN) of your own.  That way if your card is lost or stolen it cannot be used without the PIN.  You can perform the following transactions anytime, 24 hours a day, 7 days a week at any participating ATM: 

 

      - Deposit checks to either checking or savings 

      - Withdraw cash from checking or savings 

      - Transfer funds between accounts 

      - Check your balance 

      - Purchase merchandise at Point of Sale (POS) terminals 

      - Receive cash at POS terminals 

 

Debit Cards 

Avoid the hassles of writing traditional checks with a CSB Debit Card.  You can use your card to make purchases at retail stores, restaurants, or to make purchases on the internet.  With a debit card you are in essence writing a check without your checkbook.  Your CSB Debit card is accepted anywhere that Debit Mastercards are accepted! 

You can perform the following transactions anytime, 24 hours a day 7 days a week at any participating ATM: 

 

       - Deposit checks to either checking or savings 

       - Withdraw cash from checking or savings 

       - Transfer funds between accounts 

       - Check your Balance 

       - Purchase merchandise at Point of Sale (POS) terminals 

       - Receive cash at POS terminals     

 

Your CSB Debit card gives you the power to do things you never thought possible with your checkbook! 

 

Selected Schedule of Fees for Accounts: 

Account Balance Assistance: $10.00 per hour, $10 minimum charge 

Account Research: $10.00 per hour, $10 minimum charge 

ATM/DEBIT Card Fee:  $10.00, at issuance and annually 

Check Cashing (Non-Customer)  $1.00, per $100, minimum of $3.00 

Coin Counting (Non-Customer) 5% or minimum of $1.00 

Fax-Incoming- $1.00 per page 

Fax-Outgoing- $2.00 per page 

Moneygram personal money order $3.00 

Bank issued Money Order/Cashiers check $3.00 

Non-sufficient Funds: $20.00 per item 

Overdraft Charge:  $20.00 per item 

Stop payment Request: $25.00 

Wire Transfers:  $15.00 domestic incoming and outgoing 

Wire Transfers:  $45.00 Foreign 

 

Not all fees are listed.  Some may have applicable state and local sales tax applied to the fees when assessed from your account.