Checking With CSB Loyal

Loyal Rewards Checking

• Loyal Rewards Checking Pays 0.75% APY¹ on qualifying balances up to $20,000 and 0.05% APY even if you don’t qualify!
• ATM fees refunded, nationwide²

Qualifications to earn rewards

• Have at least 10 debit card purchases post and settle per qualification cycle³

• Have at least one automatic payment (ACH) or direct deposit post and settle

• Enrolled and receive eStatements in your online banking

Don’t worry if you miss your qualifications

Your account is always free. Plus, you can still earn a higher rate & refunds on ATM fees the very next cycle.

Other features

• No minimum opening balance required
• No monthly maintenance fees
• Debit card available⁴
• Unlimited check writing available
• E-statements available online
• Free access to online banking

¹Annual Percentage Yield (APY) accurate as of 04/01/2020. No minimum to open account. Rate tiers are as follows: 0.75% APY applies to balances of $.01 – $20,000 and 0.15% APY applies to balances over $20,000 as long as qualifications are met each cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 0.75% APY to 0.15% APY as long as qualifications are met. An interest rate of 0.15% APY will be paid only for that portion of your daily balance that is greater than $20,000. The annual percentage yield for this tier will range from 0.75% to 0.15%, depending on the balance in the account. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only.

²ATM fee refunds Nationwide per cycle when qualifications are met. No refunds on International ATM fees.

³Qualification Cycle is the same as Statement Cycle which is the day after the 3rd Wednesday of each month through the 3rd Wednesday of the next month.

⁴ Debit card is subject to approval. No fee ATM withdrawals at Citizens State Bank of Loyal ATMs. Other ATM owners may assess a fee for ATM use.

CSB Free Checking

• $50.00 minimum opening deposit
• No monthly maintenance fees
• Debit card available¹
• Unlimited check writing available
• E-Statements available online
• Free access to online banking
• Overdraft protection with CSB Savings or a Consumer Line of Credit  (subject to credit approval)²

¹Debit card is subject to approval. No fee ATM withdrawals at Citizens State Bank of Loyal ATMs. Other ATM owners may assess a fee for ATM use.

²A Consumer Line of Credit is an overdraft protection line of credit and is subject to application and credit approval. Certain fees and terms apply with a Consumer Line of Credit. 

CSB Personal NOW Account

• $100 minimum opening deposit
• Minimum daily balance of $1,000 required¹
• Interest is earned based on balances starting at $1,000²
• Debit card available³
• Unlimited check writing available
• E-Statements available online
• Free access to online banking
• Free 24 hour telephone banking
• Overdraft protection with CSB Savings or a Consumer Line of Credit (subject to credit approval)⁴

¹Maintain a daily minimum balance of $1000 to avoid $7 maintenance charge.

²For CSB Loyal’s current rates please call 1-800-599-8399.

³Debit card is subject to approval. No fee ATM withdrawals at Citizens State Bank of Loyal ATMs. Other ATM owners may assess a fee for ATM use. 

^{​​​​​​​4}A Consumer Line of Credit is an overdraft protection line of credit and is subject to application and credit approval. Certain fees and terms apply with a Consumer Line of Credit.