Total Access Checking gives you the means to do more with your money.


Earn as much as 3.00% APY1 on balances up to $25,000.


Build your balance.

Earning interest1 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 Rewards4 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 Banking2 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-free3 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 refunds1.

  • 3.00% APY1 on balances between $0.00 and $24,999.99
  • 0.05% APY1 paid on amounts of $25,000 or above
  • 0.01% APY1 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

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.


It’s easy to get all of the benefits of the Total Access Checking. Just complete the four following activities during each qualification cycle:

  1. Have at least 12 CSB debit card purchases post and clear
  2. Have at least one direct deposit or ACH debit transaction post and clear
  3. Register and log in to Online Banking
  4. 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.


How can I open an account?

Customers can visit one of our convenient locations to open any of our accounts.

How can I deposit money into my account?

Funds can be deposited at any CSB Branch during business hours and at any CSB ATM 24/7 if you have an ATM/Debit Card attached to your account. Check deposits can also be done 24/7 via our Mobile App for iPhone® and Android™ devices.

How can I withdraw money from my account?

Funds can be withdrawn at any CSB Branch during business hours. If you have an ATM/Debit Card attached to your account, you can also withdraw funds 24/7 at an ATM. Funds can also be transferred out of your account via Online Banking, and Mobile Banking.

Can I transfer funds from one account to another?

Funds can be easily transferred between two CSB accounts through Online Banking or the Mobile App for iPhone and Android. Transfers can also be done at any of our branch locations during business hours.

Do you offer any budgeting tools or other money management tools?

Yes, we offer a suite of Money Management tools within our Online Banking and Mobile App platforms.

Can this account be accessed through Online Banking or a Mobile Banking App?

Yes, all of our checking accounts can be accessed 24/7 via Online Banking or our Mobile App. Download the CSB Mobile App for iPhone and Android.

Can I sign up for estatements?

Yes! Help save paper and receive your statements sooner – once you are registered for Online Banking, you can register your account(s) for estatements.

How can I check my account balance and recent transactions?

You can have 24/7 access to your account history and balance information through Online Banking or our Mobile App. You can also use our Text Banking options.

How can I find an AllPoint® ATM near me?

You can easily find an in-network ATM by using the Online Locator.

How long will it take for me to receive my debit/ATM card?

If you open your account at a branch location, you can receive your card the same day! If you open online, you’ll receive your card in the mail in approximately two weeks.

What would my PIN number be on my debit/ATM card?

If you are receiving your card by mail, your PIN number will be mailed separately and you will receive the PIN usually before the card arrives. If you are in the branch you can choose the PIN number you would like to use.

Where can I find my routing and account numbers?

The routing number for all accounts at CSB is 211373115. Your account number can be found on your checks and is the set of numbers following the routing number.

Is my balance insured?

Yes, Clinton Savings Bank offers both Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) to protect your deposits. FDIC covers up to $250,000 in deposits per account owner/ownership category. This means individual accounts and joint accounts at insured institutions can each receive $250,000 of insurance with a common account owner. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

1Annual Percentage Yield (APY) of 3.00% 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. Current rate effective 3/18/2024.  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.

2Clinton Savings Bank does not charge a fee; however, standard data rates may apply from wireless provider.

3Look for the Allpoint logo to ensure your transaction will be surcharge-free.

4Certain 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.