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What Do I bring with me to open an account?
Information needed for each person whom you want on the account:
* Proper Identification
* Social Security Number
* Date of Birth
Back to TopWhat is the Bank's ABA routing number?
The ABA routing number for Community State Bank is # 072412037
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Can payments be automatically taken out of an account?
Yes. Payments can be made automatically on a weekly, bi-weekly and monthly basis. Most consumer loans will be discounted by 1/4% when using auto payment. Ask us for the details when applying for a loan.
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What is the difference between Passbook Savings, Statement Savings and Money Market Savings?
Passbook Savings:
* Quarterly Interest
* Personal register updated at CSB
Statement Savings:
* Monthly Interest
* Monthly Statement
* ATM access
Money Market Savings:
* Monthly Interest, competitive tiered rates
* Monthly Statement
* ATM access
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If I have a problem with any of my accounts, can I talk to someone today and receive an up to date statement today?
Yes. Walk into any of our branches and our customer service rep. can help you or call and we can fax a statement to you the same day if you have proper id. or a pre-arranged password.
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Our child is College bound, we want to help but at this time we don't have the funds, is there anything we can do?
Yes, Community State Bank offers a parent student loan. Call for more information or request by E-Mail.
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Should I consolidate my Credit Card Debt?
One card payment with a lower interest rate is the way to go, but beware of introductory teaser rates. Our VISA® and MasterCard® Credit Cards offer a 9.9% APR (not a teaser rate), a waived annual fee and many other extra features. See for yourself, with out Calculators.
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Should I finance or pay cash for a car?
It depends on your goals. Sometimes cash is the best option. However, you may prefer the financing option and keep the cash in a higher interest account like our Money Market Savings or Time Certificates. Check out our low car rates. Maybe a home equity loan can give you a tax break. Do the math with one of our Calculators.
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Should I consolidate my Student Loans?
You might consider consolidation if you are having trouble keeping track of all your student loans, or if you can may be able to reduce the payment amount by converting your loan to a longer term, but remember you will be paying more interest in the long run.
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What size loan can I afford?
While you might be able to afford a larger loan than you think, be careful not to borrow more than you can afford comfortably. Some financial experts recommend that you spend no more than 15 percent of your disposable income on debt payments, not including your home mortgages. Figure it out with one of our Calculators.
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Should you invest extra money in your Savings Account or use it to pay off Debt?
It's often better to pay off the high interest rate credit card debt. Example pay off an 18% credit card with money earning 4% and you will have an immediate 14% profit on your money. Or if you want to keep a nest egg look into a home equity loan at a much lower rate than most credit cards and you will only have one monthly payment. Along with just one payment, you make a profit on the high interest you don't pay. Try out one of our helpful Calculators.
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Do Community State Bank's ATM'S have a surcharge for CSB Cardholders?
No. CSB customers are not charged a surcharge for using a CSB ATM. Non-CSB cardholders will be charged $1.50.
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What is a Debit Card?
When you use a debit card, transactions are electronically deducted from your checking account. Community State Bank offers VISA® Check Card. It can be used at any locations that displays the VISA® symbol. It also serves as an ATM card, giving access to your checking and savings accounts at any NYCE® or Cirrus® ATM.
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Does Community State Bank sell Money Orders?
Yes. Two types are available. Personal Money Orders can be issued for up to $500.00. The charge is $1.00. Bank Money Orders are similar to Cashiers Checks and have a $2.00 charge.
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Does Community State Bank have a night drop box?
Yes, at all of our branches.
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Does Community State Bank have Telephone Banking?
Yes. Our Telebank local number is (989) 865-6687 or the toll-free number for callers out of our local area is 1-888-801-8758.
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Does Community State Bank have Online Banking?
Yes. Online Banking is available. To enroll call or stop in at any of our four branches, and in two business days you will be able to access your accounts on line.
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What Utility Bills are accepted at Community State Bank?
Chesaning Water
Consumers Energy
CenturyTel Telephone
Charter Communications (cable)
* There is a $1.00 charge per bill
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Does CSB offer Free Checking?
Yes, to Good Life members (50 years of age or older) & Full-Time students.
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Do I need an appointment to see a loan officer at CSB?
No. A loan officer is usually available in all of our branches.
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What is Community State Bank's rating?
There are several companies that rate banks according to their safety, soundness and financial strength. Two of the rating services we are aware of are Veribank and Bauer. CSB has consistently received both company's highest ratings. You can visit Bauer's website at www.bankstars.com to check our current rating.
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Do you sell Non-Public personal information about your customers to advertisers?
No. We do not sell our customers' names or information.
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