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18/65 Checking Account

Are you 18 or under or 65 or older? If so, you're eligible for a checking account free of monthly maintenance fees. Additional fees may be waived or discounted for eligible customers. Please contact a Relationship Banker for additional details: 888-744-4272.

¹ Minimum deposit of $10 required to open the account. Available to Personal Accounts only. Current rate effective 5/24/2021. The 0.25% Annual Percentage Yield (APY) is paid on balances between $0.00 and $24,999.99, and 0.05% APY paid on all amounts $25,000 and above each qualification cycle the minimum requirements (12 CSB Debit Card Purchases, one Direct Deposit or ACH auto debit, receive account statements electronically (eStatements), log in to CSB Online Banking) are met. We may change the interest rate and APY at any time after the account is opened. Balances calculated using the Daily Balance method and interest is based on your daily average balance, compounded daily and paid monthly. No minimum balance required to maintain the account. Monthly service fee of $3 will apply unless enrolled in eStatements. The qualification cycle used to determine if the account requirements have been met is the first day of the current statement month through the close of the current statement month; if you do not meet the requirements for three consecutive statement cycles, the bank reserves the right to convert your account to a Basic Checking account, subject to that account's associated restrictions and fees (see Basic Checking Account details and Fee Schedule). Debit card purchases and ACH transactions must post and clear to your account during the qualification cycle. If you do not meet the requirements per cycle, your account will earn .01% APY  and not receive a refund of ATM fees charged by others during that time period. ATM fee refunds of up to a maximum of $12 per qualification cycle if all qualifications are met. Fees may reduce earnings.

² A $15 monthly maintenance service charge (see Fee Schedule) will be imposed every statement cycle if the sum of the daily balances in the combined accounts (combines all accounts for the same tax reported owner, except commercial or business, and Get Real accounts) falls below $15,000 on any day of the cycle. If any of your loan accounts become 90 days delinquent, the loan balance cannot be included in your combined balance. The loan balance may not be included for up to six months after your loans become current.

³ Clinton Savings Bank does not charge a fee; however, standard data rates may apply from wireless provider.

⁴ Look for the Allpoint logo to ensure your transaction will be surcharge-free.

⁵ Minimum balance to open the account $10.00. Monthly Maintenance Service Charge of $5.00. If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account we will not pay the item or transaction, however, you will NOT be charged an Insufficient Funds Charge or Uncollected Funds Charge for the returning payment.