
Compare Our Accounts
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 with no overdraft fees or a checking account that is just simple and easy - we've got the perfect checking account for you.
Looking for a student account with money management tools and worldwide ATM access? Check out our Get Real Checking Account.
Total Access Checking Account
Learn MoreBest For
Earning Rewards
Benefits
- Earn 0.25% APY1 on balances between $0.00 and $24,999.99
- Earn 0.05% APY1 paid on amounts of $25,000 or above
- Earn 0.01% APY1 paid on all balances if qualifications are not met
- Nationwide ATM fee refunds (up to $12 per qualification cycle)1
- No minimum balance requirements
Monthly Maintenance Service Charge
Avoid the $3 monthly maintenance service charge by receiving eStatements
Free Online & Mobile Banking?
Yes3
Free Bill Pay?
Yes3
Free ATMs?
Surcharge-free4 access to worldwide ATMs via the Allpoint® Network
CSB Debit Card?
Receive a basic debit card instantly at a CSB branch
Minimum Opening Deposit
$10
Preferred Checking Account
Learn MoreBest For
Exclusive Benefits
Benefits
- Exclusive Premium Perks, including discounted safe deposit box rental and many more
- Tiered interest rates reward larger balances with higher rates
Monthly Maintenance Service Charge
Avoid the $15 monthly maintenance service charge by maintaining a $15,000 minimum combined daily balance across all deposit or loan accounts (including mortgages) for the same tax reported owner2
Free Online & Mobile Banking?
Yes3
Free Bill Pay?
Yes3
Free ATMs?
Surcharge-free4 access to worldwide ATMs via the Allpoint® Network
CSB Debit Card?
Receive a basic debit card instantly at a CSB branch
Minimum Opening Deposit
$100
Basic Checking Account
Learn MoreBest For
Simple Spending
Benefits
- Unlimited check writing
Monthly Maintenance Service Charge
Avoid the $5 monthly maintenance service charge one of two ways: maintain a $100 or more balance every day of statement cycle OR maintain a recurring monthly direct deposit
Free Online & Mobile Banking?
Yes3
Free Bill Pay?
No - the first 3 months are free for new users; $4.95 per month thereafter.
Free ATMs?
Surcharge-free4 access to worldwide ATMs via the Allpoint® Network
CSB Debit Card?
Receive a basic debit card instantly at a CSB branch
Minimum Opening Deposit
$10
Less Stress Checking Account
Learn MoreBest For
Avoiding Overdraft Fees
Benefits
- No Overdraft Fees5
- Mobile App with Money Management tool, Debit Card with worldwide ATM access
- Mobile payments with Apple Pay®, Samsung Pay®, or Google Pay.
Monthly Maintenance Service Charge
$5
Free Online & Mobile Banking?
Yes3
Free Bill Pay?
Yes3
Free ATMs?
Surcharge-free4 access to worldwide ATMs via the Allpoint® Network
CSB Debit Card?
Receive a basic debit card instantly at a CSB branch
Minimum Opening Deposit
$10
View All Accounts
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.
1 Minimum deposit of $10 required to open the account. Available to Personal Accounts only. Current rate effective 5/24/2021. The 0.25% Annual Percentage Yield (APY) is paid on balances between $0.00 and $24,999.99, and 0.05% 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 (eStatements), log in 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 is based on your daily average balance, compounded daily and paid monthly. No minimum balance required to maintain the account. Monthly service fee of $3 will apply unless enrolled in eStatements. 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 Basic Checking 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 earn .01% APY and 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 all qualifications 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.
3 Clinton Savings Bank does not charge a fee; however, standard data rates may apply from wireless provider.
4 Look for the Allpoint logo to ensure your transaction will be surcharge-free.
5 Minimum balance to open the account $10.00. Monthly Maintenance Service Charge of $5.00. If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account we will not pay the item or transaction, however, you will NOT be charged an Insufficient Funds Charge or Uncollected Funds Charge for the returning payment.