Personal Banking
Checking Accounts | Interest Bearing Accounts | Check Card | Fees & Services
  

Interest-Bearing Accounts

CSB Money Market Account
Our CSB Money Market account offers the opportunity to earn a variable interest rate while maintaining the flexibility of a checking account*. Rates are tiered allowing you to earn a higher rate as your balance increases. The tiers are as follows:

Rate Information: Your Annual Percentage Rate (APR) and Annual Percentage Yield (APY) may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Effect of Closing Account: If you close your account before interest is credited, you will not receive the accrued interest.

Compounding and crediting frequency: Interest will be compounded monthly.  Interest will be credited to your account every month.

Minimum balance to open account: You must deposit $1,000 to open this account.

Minimum balance to avoid imposition of fees: A monthly maintenance fee of $10.00 will be imposed every monthly statement cycle if the balance in the account falls below $2,500 any day of the monthly statement cycle.

Minimum Balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.   

Daily balance computation method: We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transactions Limitations: Transfers from a CSB Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no more than three by check, draft, debit card, or similar order by third parties.

Fees: An excessive transaction fee of $5.00 will be charged for each transaction in excess of the above limitations.

Additional features:

• Unlimited usage of Access 24.
• No annual fee for ATM or Debit Card*
• Free ATM usage at all Crosby State Bank locations

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CSB Savings Account

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded quarterly.  Interest will be credited to your account every quarter.

Effect of Closing Account: If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open account: You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees: A monthly maintenance fee of $5.00 will be imposed every monthly cycle if the balance in the account falls below $200 any day of the monthly statement cycle.

Minimum Balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $200 in the account each day to obtain the disclosed annual percentage yield.  

Daily balance computation method: We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transactions Limitations: Transfers from a CSB Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no more than three by check, draft, debit card, or similar order by third parties.

Fees: An excessive transaction fee of $5.00 will be charged for each withdrawal in excess of one during the month.

Additional features:

• Unlimited usage of Access 24.
• No annual fee for ATM Card*
• Free ATM usage at all Crosby State Bank locations

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CSB NOW Account

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded monthly.  Interest will be credited to your account every month.

Effect of Closing Account: If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open account: You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees: A monthly maintenance fee of $12.00 will be imposed every monthly statement cycle if the balance in the account falls below $1,500 any day of the cycle.

Minimum Balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,500 in the account each day to obtain the disclosed annual percentage yield.  

Daily balance computation method: We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Additional features:

• Unlimited Check Writing
• Unlimited usage of Access 24.
• No annual fee for ATM or Debit Card*
• Free ATM usage at all Crosby State Bank locations

* Subject to approval

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Access 24
A 24-hour, 7 days a week customer inquiry system offering service from the convenience of home or office. You can get the information on the following transactions:

You can reach Access 24 by calling: 

Local (281) 328-8300 (local)
Long distance 1 (877) 328-8300 (long distance)

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