Personal Checking Accounts

Central Checking

  • Minimum opening deposit $100
  • No monthly service charge
  • Foreign ATM Reimbursement with receipt within 30 days
  • Logo checks, unlimited bill pay, internet & telephone banking
  • Your choice of Paper or Electronic statements
  • ATM/Debit Card*

Protection Plus Checking

  • Minimum opening deposit $100
  • $5 monthly service charge
  • Foreign ATM Reimbursement with receipt within 30 days
  • Logo checks, unlimited bill pay, internet & telephone banking.
  • Your choice of Paper or Electronic statements
  • ID Theft Resolution Services
  • Total ID monitoring
  • 3-in-1 Credit Report
  • Up to $10,000 identity fraud expense reimbursement coverage**
  • ATM/Debit Card*

Tiered Interest Checking

  • Minimum opening deposit $1,000
  • $7 monthly service charge if balance falls below $1,000
  • Logo checks, unlimited bill pay, internet & telephone banking, electronic statements
  • ATM/Debit Card *
  • Foreign ATM Reimbursement with receipt within 30 days
  • Variable interest rate

Insured Money Market Account

  • Minimum opening deposit $1,500
  • $7 monthly service charge if balance falls below $1,500
  • No more than six preauthorized or automatic withdrawals, telephone or Internet transfers, checks, drafts, and debit card or other similar transactions from your account per calendar month
  • Logo checks, internet & telephone banking, electronic statements
  • Variable tiered interest rate

Personal Savings Accounts

Statement Savings

  • Minimum opening deposit $100
  • $2 monthly service charge if balance falls below $100
  • No more than six preauthorized or automatic withdrawals, telephone or internet transfers, checks, drafts, and debit card or other similar transactions from your account per calendar month
  • Internet & telephone banking, e-statements
  • Variable interest rate

Christmas Club

  • Minimum opening deposit $5
  • Deposits accepted until mid November.
  • Checks mailed prior to Thanksgiving
  • Non interest bearing
  • Internet & telephone banking, e-statements

Young Savers Account

  • Minimum opening deposit $25
  • $1 monthly service charge if balance falls below $25
  • No more than six preauthorized or automatic withdrawals, telephone or internet transfers, checks, drafts, and debit card or other similar transactions from your account per calendar month
  • Earn $5 with A/B report card, $10 if parent or guardian has their primary checking account with Central State Bank
  • Available for children under 19 years of age
  • Variable interest rate

CD’s

  • Terms ranging from 30 days to 5 years and up
  • Various rates depending on term and amount
  • Please see a Personal Banker for more information

IRA’s

  • We offer Traditional, Roth, SEP and Educational Terms ranging from 30 days to 5 years and up
  • Various rates depending on term and amount
  • Please see a Personal Banker for more information

*Restrictions and overdraft fees may apply

**THE INSURANCE OFFERED IS NOT A DEPOSIT, NOT FDIC INSURED, NOT AN OBLIGATION OF OR GUARANTEED BY THE FINANCIAL INSTITUTION OR AN AFFILIATE, AND NOT INSURED BY ANY AGENCY OF THE U.S.

Business Accounts

New Business Checking

  • Minimum opening deposit $100
  • After first statement cycle, $10 service charge if balance falls below $2,000
  • 200 items per month - .50 per item fee over 200
  • Internet and telephone banking, electronic statements
  • Bill pay $5.95 monthly, includes 8 items. Items over 8 are cost of postage per item

Business Money Market

  • Minimum opening deposit $1,500
  • $7 monthly service charge if balance falls below $1,500
  • No more than six preauthorized or automatic withdrawals, telephone or internet transfers, checks, drafts, and debit card or other similar transactions
  • Variable tiered interest
  • Internet & telephone banking, electronic statements

Statement Business Savings

  • Minimum opening deposit $100
  • After first statement cycle $10 monthly services charge if balance falls below $100
  • No more than six preauthorized or automatic withdrawals, telephone or internet transfers, checks, drafts, and debit card or other similar transactions from your account per calendar month
  • Internet & telephone banking, electronic statements
  • Variable interest rate