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Clinton Savings Bank offers many types of personal checking accounts to fit your needs. Whether you're looking for an interest earning checking account, a checking account for a student, or a checking account that is just simple and easy - we've got the perfect checking account for you.

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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.


1Minimum deposit of $10 required to open the account. Available to Personal Accounts only. Current rate effective 3/5/18. The 1.25% Annual Percentage Yield (APY) is paid on balances between $0.00 and $24,999.99, and .10% 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, log on 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 compounded monthly. No minimum balance required to maintain the account. No monthly service charge. 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 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 still function as a free checking account earning 0.02% APY however, it will 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 requirements 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.

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

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