Personal Accounts & Services

 
 
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Central Checking

    • Minimum opening deposit: $100
    • No monthly service charge
    • Foreign ATM reimbursement with receipt within 30 days
    • Complete Mobile Vault suite of services with free download of the Central State Bank mobile app
    • Debit card management with free download of the SecurLOCK Equip mobile app
    • Free ATM/Debit card*
    • Your choice of paper or e-statements

 


 

Male teenager
 

Minor Checking

    • Minimum opening deposit $100, no monthly service charge
    • $200 per day card limit for ATM's and point of sale
    • Foreign ATM Reimbursement with receipt within 30 days
    • Complete Mobile Vault suite of services with free download of the Central State Bank mobile app
    • Debit card management with free download of the SecurLOCK Equip mobile app
    • Logo checks and unlimited bill pay
    • Your choice of Paper or Electronic statements
    • ATM/Debit Card*

 


 

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Protection Plus Checking

    • Minimum opening deposit $100
    • $5 monthly service charge
    • Foreign ATM Reimbursement with receipt within 30 days
    • Complete Mobile Vault suite of services with free download of the Central State Bank mobile app
    • Debit card management with free download of the SecurLOCK Equip mobile app
    • Logo checks and unlimited bill pay
    • 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*

 


 

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Tiered Interest Checking

    • Minimum opening deposit $1,000
    • $7 monthly service charge if balance falls below $1,000
    • Complete Mobile Vault suite of services with free download of the Central State Bank mobile app
    • Debit card management with free download of the SecurLOCK Equip mobile app
    • Logo checks and unlimited bill pay
    • ATM/Debit Card *
    • Foreign ATM Reimbursement with receipt within 30 days
    • Variable interest rate

 


 

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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
    • Complete Mobile Vault suite of services with free download of the Central State Bank mobile app
    • Debit card management with free download of the SecurLOCK Equip mobile app
    • Logo checks, electronic statements
    • Variable tiered interest rate

 

 

*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 United States.

 

 

 

 

Personal Savings Accounts

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Statement Savings

    • Minimum opening deposit: $100
    • $2 monthly service charge if balance falls below $100
    • 3 withdrawals per month, $1 for each additional withdrawal, with no more than 6 transfers or withdrawals made by preauthorized or automatic transfer, telephone, or internet banking to another account or third party per month.
    • Complete Mobile Vault suite of services with free download of the Central State Bank mobile app
    • Variable interest rate

 


 

latina mother and daughter placing coins inside a pink piggy bank
 

Young Savers

    • Minimum opening deposit: $25
    • $1 monthly service charge if balance falls below $25
    • 3 withdrawals per month, $1 for each additional withdrawal, with no more than 6 transfers or withdrawals made by preauthorized or automatic transfer, telephone, or internet banking to another account or third party per month.
    • Earn $5 with A/B report card, $10 if parent or guardian has a primary checking account with Central State Bank
    • Available to children under 19 years of age
    • Variable interest rates

 


 

curly haired girl laying down holding a present and looking joyfully surprised
 

Christmas Club

    • Minimum opening deposit: $5
    • Deposits accepted until mid-November
    • Non interest bearing
    • Complete Mobile Vault suite of services with free download of the Central State Bank mobile app

 

senior adult hispanic couple
 

CD's

    • Terms ranging from 30 days to 5 years and up
    • Various rates depending on term & amount

 


 

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IRA's

    • Traditional, Roth, SEP, and Educational
    • Terms ranging from 30 days to 5 years and up
    • Various rates depending on term & amount

 

 

Wherever your journey takes you, our bank can go with you. Mobile and Online banking from Central State Bank.

 

 

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Download the Central State Bank App to access your Mobile Vault.

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* Compatible with iOS and Android devices.

Download the app to keep our legendary banking experience at your fingertips.
Check your account balance, transfer funds, deposit checks, and more!

 
These links will open in a new window, and are not part of our website. Central State Bank does not provide, and is not responsible for, any product, service, or overall website content available at any website that can be reached from our website. Our privacy policies do not apply to linked websites and viewers should consult the privacy disclosures on those sites for further information.
 


 
SecurLOCK Equip logo

SecurLOCK Equip

SecurLOCK Equip

Decide when your debit card can be used by turning it "on" or "off", keeping it protected from unauthorized use. Plus, you can set up real-time alerts based on spending limits, location, and more.

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* Compatible with iOS and Android devices.
*This app is separate from the Central State app. The SecurLOCK Equip app is a product of FIS Global,separate from the Central State Bank App. Message and data rates apply from your wireless carrier. Customer restrictions apply. SecurLOCK is registered trademark of FIS Global. App Store is a registered service mark of Apple Inc. Google Play is a registered trademark of Google Inc.
*These links will open in a new window, and are not part of our website. Central State Bank does not provide, and is not responsible for, any product, service, or overall website content available at any website that can be reached from our website. Our privacy policies do not apply to linked websites and viewers should consult the privacy disclosures on those sites for further information.
 

 
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Credit Card

Personal Credit Card

Earn cash back or points for purchases made using our Platinum Payback or Platinum Preferred credit card options. Enjoy 24/7 customer support, online access, and no annual fees.

Click to see which card is right for you

 

 
E Statements Icon

E-Statements

E-Statement

Convenient and secure way to view statements from your computer or mobile device.

  1. Log in to the Central State Bank app, select "Transactions" from the menu, then select "Statements".
  2. Choose the account and statement date that you would like to view, then select "Get Statement" to view the document.

 

 

 
Online Bill Pay Icon

Online Bill Pay

Online Bill Pay

With online bill pay, you control when your bill or loan payments are sent, and also have the option to set up recurring payments. 
* Payments may take up to 5 business days to process. Once you're enrolled in the program, here's how to make a payment:

  1. Log in to the Central State Bank app, select "Transactions", then "Bill Payment".
  2. Click "Add Payee" and complete the information for each vendor you'd like to pay. 
  3. To make a payment, tap the name of the Payee, enter the payment amount, and complete the transaction.
  4. To set up recurring payments, reminders and more, select "Options" from the Bill Pay page, then "Visit Bill Pay Site".

* If you're making a loan payment from an account that is not with Central State Bank, please use our LOAN PAYMENT feature. Loan payments from non-Central State Bank accounts are not processed through our online banking system.

 

 
Personal Financial Manager Icon 

Budgeting Tool

Budgeting Tool

Take control of your finances with our user-friendly budgeting tool. After assigning categories to your transactions, color-coded charts give you an overall picture of your incomes and expenses, and help keep you on track to achieve your financial goals. When accessing your account online, this information is at the top of the dashboard. When accessing from a mobile device, click the "Budget" or "Spending" button near the bottom of the screen.

 

 
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Mobile Deposit

Mobile Deposit

Skip the trip to the bank, and deposit checks with your mobile device. *Deposits may take up to 2 business days to appear in your account. Once you're enrolled in the program, here's how to make a mobile deposit:

  1. Log in to the Central State Bank app, select "Transactions", then "Deposit Check".
  2. Choose the account that the funds should go to, and enter the amount.
  3. Endorse the check with your name and "for CSB e-deposit only"
  4. Take a picture of the front AND back side of the check.
  5. Click "Submit" to complete the transaction. 

 

 

 
CSB SendIt Icon 

CSB SendIt

CSB SendIt

Use your debit card to securely send funds - fast! All you need is the recipient's mobile phone number or email address. Once you're enrolled in the program, here's how to SendIt:

  1. Log in to the Central State Bank App, select "Services", then select "CSB SendIt".
  2. Enter the recipient's name, their email address or cell phone number, and the amount you'd like to send. Choose the account from which the funds will be debited, then select "Continue".
  3. Enter your PIN to proceed with the transaction.
  4. If all the details are correct, confirm the transaction and send your funds on their way!
 

 
Digital Wallet Icon 

Digital Wallet

Digital Wallet

Link your Central State Bank debit or credit card to digital payment services like Apple Pay and Android Pay for easy, secure payment in stores or online. Please visit your digital payment service to add your Central State Bank debit or credit card as a payment option.