Ya - We Did That!
Total Access Checking provides high interest in a simple, rewarding way to boost your balance without giving up easy access to your funds.
Earn as much as 4.50% APY* on balances up to $24,999.99.
Build your balance.
Earning high interest* has never been easier. With just a few qualifications to meet that you may do everyday you'll get the best rate. Even if you don’t, you’ll still earn interest.
A better debit card.
Any bank can offer a debit card. Our card comes with cash back rewards. Sign up for Purchase Rewards**** to earn cash back at your favorite stores. Keep your extra cash secure. CardValet® gives you complete card control — including the ability to turn your card on and off.
Your money — at your fingertips.
On the Go Banking** gives you anytime access to your account. Deposit checks in a snap. Check your balance before you check out.
Always have cash on hand.
Access 55,000+ surcharge-free*** ATMs with the Allpoint® network. Can’t find an ATM in that network? Don’t worry. The same qualifications that earn the higher interest also earn ATM fee refunds*.
High yield guaranteed until May 31, 2026:
- 4.50% APY* on balances between $0.00 and $24,999.99
- 0.05% APY* paid on amounts of $25,000 or above
- 0.01% APY* paid on all balances if qualifications are not met
- Avoid the $3 monthly maintenance service charge by receiving eStatements
- No minimum balance requirement
- $10 minimum deposit to open
It’s easy to get all of the benefits of the Total Access Checking. Just complete the four following activities during each qualification cycle:
- Have at least 12 CSB debit card purchases post and clear
- Have at least one direct deposit or ACH debit transaction post and clear
- Register and log in to Online Banking
- Enroll and receive eStatements
Even if you don’t meet these qualifications, you’ll still earn the base rate — and you're always eligible to try and qualify during the next cycle.
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.
*Annual Percentage Yield (APY) of 4.50% 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 (4.50% APY effective 4/27/2026 guaranteed through 5/31/2026). Balances calculated using the Daily Balance method and interest is based on your daily average balance, compounded daily, and paid monthly. Current rate effective 4/27/2026 and guaranteed through 5/31/2026. 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. Minimum deposit of $10 required to open the account. Available to Personal Accounts only.
**Clinton Savings Bank does not charge a fee; however, standard data rates may apply from wireless provider.
***Look for the Allpoint logo to ensure your transaction will be surcharge-free.
****Certain Service and Purchase Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions. Purchases must be made as indicated in the offers made available under the Purchase Rewards Offers. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such offer expiration dates, minimum purchase amounts, purchase limits, etc. You must use the debit card associated with the Purchase Rewards Offers account in order to receive the offers which qualify for the rewards, rewards will be deposited at the end of the following month. After activating an offer in Purchase Rewards and making a qualified purchase with your CSB debit card, the offer will automatically be applied and you will receive the cash back in your CSB checking account. The cash back can take up to 30 days after the offer is redeemed. Cash back is awarded subject to adjustments for returns, cancellations and other events.