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REGULAR "FREE"
CHECKING:
Why pay those annoying fees when you can have FREE checking!
We require a $100.00 opening deposit with no minimum balance
requirement and no monthly service charge or activity fee.
COMMERCIAL CHECKING:
Whether you are a brand new business just getting started or an
established business...we can help make your record keeping easier.
Contact one of our branch offices today to find out how our
commercial checking can meet your business needs.
CHECKING PLUS+ CLUB:
This account includes 24 hour Accidental Death and Dismemberment
Insurance Coverage* starting at $10,000.00 up to $50,000.00. When
you enroll with the family plan option, $2,500.00 in coverage is
included for each eligible dependent.
The first 6 months are free and then the monthly fee is $6.00 (plus
tax) per month for the $10,000.00 coverage plan adding only $1.00
for each additional $10,000,00 of coverage you choose.
To see the rest of the perks and incentives and to take advantage of
the whole CHECKING PLUS+ program package featuring value,
service, savings and convenience-stop in any of our four Branches.
*For more detailed information about the AD & D
insurance coverage, contact 800-532-1423. Insurance products are
not deposits, not FDIC insured, not insured by any federal
government agency, and not guaranteed by the financial institution.
N.O.W. CHECKING:
For the account holder who wants to earn interest while having
the flexibility of check writing...this is the account for you.
We require a $750.00 minimum balance or $1500.00 average
collected balance to avoid a service charge. This account
has a variable interest rate.
SUPER N.O.W. CHECKING:
For the account holder who wants to earn a slightly
higher interest rate while having the flexibility of check
writing....this is the account for you. A $2500.00 minimum
balance is required to avoid a service charge. This
account has a variable interest rate.
CAPITAL ACCUMULATION FUND (C.A.F.):
(Money Market Deposit Account)
This money market account earns interest while allowing limited
transactions for your convenience. A $5000.00 minimum
balance is required with a variable two tiered interest rate.
Transfers from a Money Market Deposit Account to another account
or third party by preauthorized, automatic, telephone, internet
banking or telephone banking transfer are limited to six (6) per
month, included in the six are check, draft, or similar order to third parties.
HIGH YIELD MONEY MARKET
ACCOUNT:
This money market
account earns interest while allowing limited transactions for
your convenience. The minimum balance required to open this
account is $5,000.00 and you may qualify for one of four
different tiers. Interest will be compounded monthly as well as
credited to this account monthly. Transfers from a Capital
Accumulation Fund account to another account or to third parties
by preauthorized, automatic, telephone, internet banking or
telephone banking transfer are limited to six (6) per statement
cycle, included in the six are check,
draft or similar order to third parties.
REGULAR SAVINGS:
Put your hard earned money to work for you. A $100.00
opening deposit will get you started. Interest is
compounded daily and paid to the account quarterly.
CHRISTMAS CLUB
SAVINGS:
Set aside a little "extra" for your holiday gift giving by
opening a Christmas Club account today. A $100.00 opening
deposit will get you started. There are no maintenance or
activity fees. The variable interest rate is compounded at
maturity with an interest check issued on October 31st. No
early withdrawals.
CERTIFICATES OF DEPOSIT:
Interest is paid semi-annually and may be compounded, automatically
deposited to a checking or saving account or mailed to the account
holder by check. Please contact your Central State Bank branch
for current interest rates, annual percentage yields, and other
important information. No early withdrawals.
INDIVIDUAL
RETIREMENT ACCOUNTS:
Start planning for your retirement today. We offer 12 month
fixed rates or variable rates for Traditional, Roth, Educational, or
SEP accounts. Contact your Central State Bank branch for
current rates, annual percentage yields and other important
information.
HEALTH SAVINGS ACCOUNT (HSA):
A Health Savings Account is a
tax-sheltered savings account similar to an IRA, but where the funds
are earmarked for medical expenses. Interest is paid quarterly
to an HSA, and the funds grow tax-free. Deposits are 100%
tax-deductible, and withdrawals are also tax-free when used for
qualifying medical expenses. Call or stop today at any Central
State Bank branch for our
current interest rates and more details on this attractive new way
to save!
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