Our 18/65 Checking Account is free of monthly maintenance service charges.
BENEFITS YOU'LL LOVE
Build your balance.
Make the most of your money with this interest bearing account. All you have to do is maintain a minimum balance of $10 or more in the account each day to obtain the annual percentage yield (APY).
A better debit card.
Any bank can offer a debit card. Our card comes with rewards. Sign up for Purchase Rewards4 to earn cash back at your favorite stores. Plus, keep your extra cash secure with CardValet® that gives you complete card control — including the ability to turn your card on and off.
Your money — at your fingertips.
On the Go Banking2 gives you anytime access to your account. Deposit checks in a snap. Check your balance before you check out.
Always have cash on hand.
Access 55,000+ surcharge-free3 ATMs with the Allpoint® network. Find Allpoint ATMs near you with the online locator. Or just look for the Allpoint logo.
- Tax owner must be age 18 or under or 65 or older
- No monthly maintenance service charge
- Additional fees may be waived or discounted for eligible customers
- $10 minimum deposit to open
- Earn competitive interest when you maintain a minimum balance of $10 or more each day of the monthly statement cycle
A natural person 18 years of age or under or 65 years of age or older may choose one demand deposit account and one savings account which, in each instance, shall include a joint account in which the spouse of the eligible depositor, regardless of age, is the joint tenant therein or the joint tenant would otherwise be an eligible depositor, and which has been established and used for personal, family or household purposes. Upon the tax owner turning 19 years of age, the account will convert to a Get Real Checking Account and be subject to the fees and requirements applicable to the Get Real Checking Account.
How can I open an account?
If all owners are 18 or over, you can apply online or you can visit one of our convenient branch locations.
How can I deposit money into my account?
Funds can be deposited at any CSB Branch during business hours and at any CSB ATM 24/7 if you have an ATM/Debit Card attached to your account. Check deposits can also be done 24/7 via our Mobile App for iPhoneDownload on the App Store® and AndroidGet it on Google Play™ devices.
How can I withdraw money from my account?
Funds can be withdrawn at any CSB Branch during business hours. If you have an ATM/Debit Card attached to your account, you can also withdraw funds 24/7 at an ATM. Funds can also be transferred out of your account via Online Banking, and Mobile Banking.
Can I transfer funds from one account to another?
Funds can be easily transferred between two CSB accounts through Online Banking or the Mobile App for iPhoneDownload on the App Store and AndroidGet it on Google Play. Transfers can also be done at any of our branch locations during business hours.
Do you offer any budgeting tools or other money management tools?
Yes, we offer a suite of Money Management tools within our Online Banking and Mobile App platforms.
Can this account be accessed through Online Banking or a Mobile Banking App?
Yes, all of our checking accounts can be accessed 24/7 via Online Banking or our Mobile App. Download the CSB Mobile App for iPhoneDownload on the App Store and AndroidGet it on Google Play.
Can I sign up for estatements?
Yes! Help save paper and receive your statements sooner – once you are registered for Online Banking, you can register your account(s) for estatements.
How can I check my account balance and recent transactions?
You can have 24/7 access to your account history and balance information through Online Banking or our Mobile App. You can also use our Text Banking options.
How can I find an AllPoint® ATM near me?
You can easily find an in-network ATM by using the Online Locator.
How long will it take for me to receive my debit/ATM card?
If you open your account at a branch location, you can receive your card the same day! If you open online, you’ll receive your card in the mail in approximately two weeks.
What would my PIN number be on my debit/ATM card?
If you are receiving your card by mail, there will be a phone number included to activate your card and select your PIN. If you are in the branch, you can choose the PIN number you would like to use.
Where can I find my routing and account numbers?
The routing number for all accounts at CSB is 211373115. Your account number can be found on your checks and is the set of numbers following the routing number.
Is my balance insured?
Yes, Clinton Savings Bank offers both Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) to protect your deposits. FDIC covers up to $250,000 in deposits per account owner/ownership category. This means individual accounts and joint accounts at insured institutions can each receive $250,000 of insurance with a common account owner. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).
1Annual Percentage Yield (APY) of .01% as of 8/21/2023. All rates subject to change without notice. Fees could reduce earnings. $10 Balances calculated using the Daily Balance method and interest is based on your daily average balance, compounded daily and paid monthly. Minimum deposit of $10 required to open the account. Must maintain a minimum of $10 in the account each day to obtain disclosed Annual Percentage Yield. Rate is variable and can change after the account is opened. Fees may reduce earnings.
2Clinton Savings Bank does not charge a fee; however, standard data rates may apply from your wireless provider. Funds cannot be transferred from a Passbook Savings Account. You cannot transfer funds to or from a CD or Retirement Account. Other restrictions may apply.
3Look for the Allpoint logo to ensure your transaction will be surcharge-free.
4Certain Service and Purchase Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions. Purchases must be made as indicated in the offers made available under the Purchase Rewards Offers. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such offer expiration dates, minimum purchase amounts, purchase limits, etc. You must use the debit card associated with the Purchase Rewards Offers account in order to receive the offers which qualify for the rewards, rewards will be deposited at the end of the following month. After activating an offer in Purchase Rewards and making a qualified purchase with your CSB debit card, the offer will automatically be applied and you will receive the cash back in your CSB checking account. The cash back can take up to 30 days after the offer is redeemed. Cash back is awarded subject to adjustments for returns, cancellations and other events.
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