Regular Checking
A basic checking account designed for individuals who write more than 10 checks per month.

• $500 monthly average available balance waives all maintenance fees.
• If your balance is at least $400.00 on every day in the month but falls below $500.00 on any day during the month we will impose a maintenance fee of $3.35* for that statement cycle.
• If your balance is at least $200.00 on every day in the month but falls below $400.00 on any day during the month we will impose a maintenance fee of $4.35* for that statement cycle.
• If your balance falls below $200.00 on any day in the month we will impose a maintenance fee of $5.35* for that statement cycle.
• A per item fee of $.25* will be charged for each debit transaction in excess of 30 during a calendar month.
• Check images returned
• ATM or Debit Card available
• 24-hour telephone banking

Now Account

• Rate Information – Your interest rate and annual percentage yield may change. Frequency or rate changes – We may change the interest rate on your account at any time.
• Determination of rate - At our discretion, we may change the interest rate on your account.
• Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every day.
• Minimum balance to avoid imposition of fees – A maintenance fee of $8.00* will be imposed if the balance in the account falls below $750.00 any day of the statement cycle.
• Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on non cash deposits – Interest begins to accrue on the first business day after the banking day you deposit non cash items (for example, checks).
• Check images returned
• ATM or Debit Card available
• 24-hour telephone banking

PAYC Checking Account

• A per item fee of $.40* will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account).
• Check images returned
• ATM or Debit Card available
• 24-hour telephone banking

Senior Checking Account
(This account is for customers age 65 or older.)

• A per item fee of $.25* will be charged for each debit transaction in excess of 30 during a month.
• Check images returned
• ATM or Debit Card available
• 24-hour telephone banking

Statement Savings Account

• Rate Information - Your interest rate and annual percentage yield may change.
• Frequency of rate changes – We may change the interest rate on your account at any time.
• Determination of rate – At our discretion, we may change the interest rate on your account.
• Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every day.
• Minimum balance to avoid imposition of fees – A maintenance fee of $2.50* will be imposed if the balance in the account falls below $50.00 any day of the statement cycle. This fee will not apply to customers age 18 or under.
• Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on non cash deposits – Interest begins to accrue on the first business day after the banking day you deposit non cash items (for example, checks).
• Transaction limitations – Transfers from a Statement Savings account to another account or to third parties by telephone transfer are limited to six per month with no transfers by check, debit card, or similar order to third parties.
• 24-hour telephone banking

Certificates of Deposit (CDs)
An interest-bearing time deposit account that provides a choice of return based on maturity.

• $1,500 minimum deposit requirement (Excludes promotional CDs)
• No maintenance fees
• Guaranteed fixed rate of return
• Flexible terms
• Automatically renews at interest rate in effect at time of maturity
• Penalty applied for early withdrawal
• 24-hour telephone banking

Individual Retirement Account (IRA)
An investment account for the benefit of an individual's retirement.

• IRAs available as Traditional, Coverdell, and Roth
• No maintenance fees
• Flexible terms
• Tax advantages (consult your tax advisor)
• Fixed-interest rate accounts
• Accounts automatically renew at rate in effect at the time of maturity
• Interest penalties may be assessed for early withdrawals
• 24-hour telephone banking

Remote Deposit
Remote Deposit is a service every business should consider.  With a PC, an internet connection and a small desktop scanner, you have all the tools needed to realize the benefits.  You simply scan your checks with the desktop scanner, and then with a push of a button, you send your deposit directly to Central State Bank.

Benefits:

• Fast automated deposit preparation
• Eliminate trips to the bank saving time, fuel, etc.
• Freedom to make deposits on your schedule
• Peace of mind knowing deposits are made daily
• Accelerate your availability of funds
• Receive credited funds faster if you’re currently mailing your deposits
• Electronic records of deposits and deposited items kept on your PC
• Reduce your reliance on multiple banks due to geographic location

Central State Bank is becoming a leader in technology, offering you the latest banking services to operate more efficiently.  Let us help you embrace the opportunity to focus on your business with the latest banking convenience!

For more information, click here or contact Judy Eggers or Brian Disney at (641) 483-2505.

Common Features
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.