Checking With CSB Loyal

Free Kasasa Cash Checking pays:

• 1.26% APY¹ on qualifying balances up to $20,000
• 0.05% APY even if you don’t qualify
• Plus refunds on ATM fees, nationwide²

It’s easy to earn your rewards…

Just do the following activities and transactions in your Kasasa Cash account each month:

• 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.

For more information call 1-800-599-8399.

¹ Annual Percentage Yield (APY) accurate as of 01/01/2018. No minimum to open account. Rate tiers are as follows: 1.26% APY applies to balances of $.01 – $20,000 and 0.25% APY applies to balances over $20,000 as long as qualifications are met each qualification cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 1.26% APY to 0.25% APY as long as qualifications are met. An interest rate of 0.25% 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 1.26% to 0.25%, 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.

² ATM fee refunds Nationwide per cycle when qualifications are met. No refunds will be given for ATM fees in the amount of $5.00 or more per transaction, unless the appropriate ATM receipt is presented to a representative at one of our branches. No refunds on International ATM fees.

³ Qualification Cycle is different from Statement Cycle. Contact a representative for more details

CSB Free Checking:

Our CSB Free Checking Account is easy to use and features:

• $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

¹ 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.

² 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.

For more information call 1-800-599-8399

CSB Personal NOW Account:

Our CSB Personal NOW Account is an interest earning checking account:

• $100 minimum opening deposit
• Minimum daily balance of $1,000 required¹
• Interest is earned based on balances starting at $1,000⁽²⁾
• Monthly maintenance fees waived with CSB Key Club membership³
• Debit card available⁴
• 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) ⁵

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

² See CSB Loyal’s current rates

³ See Key Club Membership

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.

⁵ 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.

For more information call 1-800-599-8399