CSB offers many products and services for our community, find out more below!


Consumer Checking Account

  • Available to consumers
  • $100 minimum deposit to open
  • Avoid $5 service fee by maintaining $500 minimum daily balance
  • Free digital banking services including online and mobile banking, bill pay and mobile deposit
  • Free Visa debit card and
  • Apple Pay and Google Pay linked to your debit card.

Consumer Interest-Bearing (NOW) Checking Account

  • Available to consumers
  • Interest paid monthly
  • $1,000 minimum deposit to open
  • Avoid $5 service fee by maintaining $1,000 minimum daily balance
  • Free digital banking services including online and mobile banking, bill pay and mobile deposit
  • Free Visa debit card and
  • Apple Pay and Google Pay linked to your debit card.

Consumer Savings Account

  • Available to consumers
  • Interest paid quarterly
  • $100 minimum deposit to open
  • Avoid $5 service fee by maintaining $100 minimum daily balance
  • Free digital banking services including online and mobile banking, bill pay and mobile deposit
  • $2 quarterly excess withdrawal fee for each withdrawal in excess of 6 per quarter.

Consumer Money Market Account

  • Available to consumers
  • Competitive interest rates
  • Interest paid monthly
  • $1,000 minimum deposit to open
  • Avoid $5 service fee by maintaining $1,000 minimum daily balance
  • Free digital banking services including online and mobile banking, bill pay and mobile deposit
  • $5 monthly excess withdrawal and transfer fee for each withdrawal and transfer in excess of 6 per month.

Consumer Certificate of Deposit (CD)

  • Higher returns than savings and money market accounts
  • Fixed rate for length of term
  • Terms range from 3 months to 60 months
  • Early withdrawal penalties apply
  • Renew automatically and
  • 10-day grace period at maturity

Consumer Retirement Account (IRA)

  • Tax-advantaged retirement savings
  • Competitive interest rate above standard savings rates
  • Terms range from 18 months to 60 months
  • Traditional and Roth IRA options and
  • Additional $1,000 “catch up” contribution allowed for ages 50+.

Business Checking Account

  • Available to businesses
  • $100 minimum deposit to open
  • Avoid $5 service fee by maintaining $500 minimum daily balance
  • Free digital banking services including online and mobile banking, bill pay and mobile deposit
  • Free Visa debit card and
  • Ability to add Cash Management services.

Business Money Market Account

  • Available to businesses
  • Competitive interest rates
  • Interest paid monthly
  • $1,000 minimum deposit to open
  • Avoid $5 service fee by maintaining $1,000 minimum daily balance
  • Free digital banking services including online and mobile banking, bill pay and mobile deposit
  • $5 monthly excess withdrawal and transfer fee for each withdrawal and transfer in excess of 6 per month.

Business Certificate of Deposit
(CD)

  • Higher returns than savings and money market accounts
  • Fixed rate for length of term
  • Terms range from 3 months to 60 months
  • Early withdrawal penalties apply
  • Renew automatically and (6) 10-day grace period at maturity.

Cash Management

Available to business checking customers

  • Mobile Business Banking
  • Wire Origination
  • ACH Origination
  • Positive Pay
  • Fraud Alerts Mobile
  • Multi-Check Deposit on Mobile Banking App

Residential Mortgages

Provide long-term home mortgages through partnership with Rocket Mortgage and in-house mortgage financing for W-2 employees, self-employed and asset-based borrowers.

Consumer Vehicle Loans

provide financing to purchase new and used automobiles. The bank finance up to 90% of purchase price and will provide repayment up to 72 months. Down payment and length of repayment will be based on the vehicle’s age and value.

Consumer Term Loans

Provide short term loans to satisfy personal capital needs. These loans require pledged collateral from the consumer with a satisfactory loan to value for the bank.

Business Vehicle Loans

Provide financing for business automobiles, trucks and specialty vehicles. The bank will finance up to 90% of purchase price and will provide repayment terms up to 72 months.

Business Equipment Loans

Provide financing to purchase new and used equipment. The bank will finance up to 90% of purchase price and will provide repayment terms up to 60 months.

Commercial Real Estate Loans

Provide financing for a variety of commercial real estate products including owner-occupied, multi-family, industrial, retail, office, self-storage and hospitality real estate. The bank will finance up to 80% of purchase price and will provide a payment amortization up to 25 years.

Home Builder Construction Loans

Provide financing to a residential home builder to construct either a pre-sold or speculative single-family home. The bank will finance up to 85% of hard cost.

Commercial Development Loans

Provide financing to experienced real estate developers to develop land and vertical infrastructure. The bank will finance up to 75% of the project cost.

Raw Land Loans

Provide financing to purchase raw land for either future development or long-term investment. The bank will finance up to 70% of purchase price on raw land and will provide a payment amortization up to 15 years.

SBA 7a Loans

Provide small business loans guaranteed by the SBA 7(a) Loan Program. The maximum loan amount for a 7(a) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. 7(a) loans can be used for: 

  • Acquiring, refinancing, or improving real estate and buildings
  • Short- and long-term working capital 
  • Refinancing current business debt 
  • Purchasing and installation of machinery and equipment
  • Purchasing furniture, fixtures, and supplies 
  • Changes of ownership (complete or partial)
  • Multiple purpose loans, including any of the above

SBA 504 Loans

The 504 Loan Program provides long-term, fixed rate second lien financing for major fixed assets such as real estate and equipment that promote business growth and job creation. The bank will provide a first lien loan equal to 50% of the cost, and the 504 loan program will provide a second lien loan up to 40% of the cost which equates to a cumulative loan of 90% loan to cost.

504 loans are available through Certified Development Companies (CDCs), SBA’s community-based partners who regulate nonprofits and promote economic development within their communities. CDCs are certified and regulated by SBA. The maximum loan amount for a 504 loan is $5.5 million. For certain energy projects, the borrower can receive a 504 loan for up to $5.5 million per project, for up to three projects not to exceed $16.5 million total.

Consumer Online Banking

Gives you the ability to keep track of account balances and transactions, internal account transfers, loan payments, bill pay, e-statements and access to Mobile Banking.

Business Online Banking

It gives you the ability to keep track of account balances and transactions, internal account transfers and loan payments, bill pay, e-statements and access to mobile banking, and Cash Management Services (an additional monthly fee).

Apple Pay & Google Pay Digital Wallets

Add your consumer debit card to your Apple iPhone and Apple Watch and Android based mobile devices to use on the go.