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CSB Loyal Core Conversion

Citizens State Bank of Loyal is “The Bank for Life’s Biggest Decisions” and now we’re making a big decision of our own! We are excited to announce that we are upgrading to a new core banking system on July 16th 2018. Our core banking system is the computer software that processes our major banking functions. Examples of these functions include handling deposits and withdrawals, creating and mailing statements, processing loan payments, tracking loan history, and online and mobile banking, to name a few.

Improving The Way We Serve You…

We are making this improvement because upgrading our core system will allow us to enhance our security measures and improve processing productivity in order to serve our customers better. The change will primarily take place within the internal departments of the bank but our customers will also notice some product changes to online and mobile banking, and an improved look to monthly statements.

What To Know

  • Directions for logging into the new online banking system can be found here.
  • Feel free to reference the Frequently Asked Questions section, available on the bottom of this web page.
  • Periodically refer to this page of our website for up to date information
  • You can always call CSB at 1-800-599-8399 with questions

Our customers can be assured that all personal data and account information is safe and secure, as always. Funds also remain secure as all CSB Loyal accounts continue to be insured in accordance with FDIC regulations.

Service Availability During The Core Conversion

  Thursday 07/12 Friday 07/13 Saturday 07/14 Sunday 07/15 Monday 07/16
Branch Office Regular Banking Hours Regular Banking Hours Regular Banking Hours Closed Regular Banking Hours
Next Business Day 4:00 PM Regular Banking Hours N/A N/A Regular Banking Hours
Online Banking Available Inquiry Mode Only After 4:00 PM Inquiry Mode Only Inquiry Mode Only Available
Online Bill Pay Unavailable After 11:00 AM Unavailable Unavailable Unavailable Available
Mobile App Available Unavailable After 4:00 PM Unavailable Unavailable Available In App Stores
Debit Card Available Available Available Available Unavailable From 9:30AM-10:00AM
ATM Networks Available Available Available Available Unavailable From 9:30AM-10:00AM

How To:

How to download E-statement history: Click Here

Frequently Asked Questions: Click Here

How to log into the new online banking: Click Here

 

 

 

 

IMPORTANT CHANGES

Business Day End

CSB will be changing the time in which we end one business day and begin another from 4:00 PM to regular business hours beginning Friday, July 13, 2018.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit during regular business hours, we will consider that day to be the day of your deposit. However, if you make a deposit outside of regular business hours or on a non-business day, we will consider that the deposit was made on the next business day we are open.

Online Banking

Beginning on Friday, July 13th at 4:00 PM online banking will enter an ‘inquiry only’ status. This means that balance information will not be displayed in real-time. Additionally, the ability to complete a transfer between accounts, set up new transfers, or edit current account transfers will be restricted. Online banking services will be available once again on Monday, July 16th through our website, csbloyal.com. The cut-off time for online banking transfers will be 6:00 PM beginning Monday, July 16th.

  • Login ID (User Name) will still be the same for all accounts but must be typed in lowercase letters.
  • Online banking password will temporarily be the last 4 digits of a user’s social security number.
  • After entering the ID and password customers will be prompted to choose a new password and new challenge questions.
  • Users with a Login ID (User Name) less than 6 characters long will be required to change their Login ID.

Mobile App Banking

Mobile banking will be disabled Friday, July 13th at 4:00 PM. Mobile access and mobile deposit functions will not be available.  CSB’s brand new mobile banking app will be available for download in app stores on Monday, July 16th.

Online Banking Bill Payment

The Bill payment portal within online banking will be unavailable beginning Thursday, July 12th at 11:00 AM.

Please have any bill payments sent or scheduled to be sent no later than this date to ensure payment delivery. CSB is making every effort to transfer Bill Payment payees and scheduled payments to the new online banking system.

Telephone Banking

Telephone banking will not be available beginning Friday, July 13th at 4:00 PM until July 16th. Only one telephone number will be available for customers to use for telephone banking beginning July 16th. The only automated telephone banking system phone number to access account information will be 1-877-257-3304.

eStatements.

eStatement history from the current online banking system will not transfer to the new system.

Please download and save all eStatement history you wish to retain by Friday, July 13th.

Statements

All CSB Loyal customers will receive a printed and mailed statement dated July 13, 2018, including eStatement recipients. A second statement will be sent as the regularly scheduled monthly statement at the end of July. Regular savings account statements without Electronic Funds Transactions (EFT) will be mailed quarterly. Customers will notice a new look to their monthly statements beginning with the end-of-July statement.

Check Image Recipients

Customers who receive check images with their statements will receive an additional mailing dated July 13, 2018 that will include check images. An additional statement with images will be mailed at the end of July, and at every month-end thereafter, as the regularly scheduled monthly statement.

Interest-bearing Accounts

Interest accrued through July 13, 2018 will post to all interest-bearing accounts and will be reflected on the    July 13th statement, as mentioned in the above section. Interest accrued after July 13th will post in accordance with its regular posting schedule.

Kasasa Cash Checking

Citizens State Bank of Loyal will automatically qualify every Kasasa Cash Checking account for the July 13th statement.

PLEASE NOTE: The Kasasa Rewards statement cycle will change to end the third Wednesday of each month beginning in August. The Kasasa qualification cycle will end the business day prior to the third Wednesday of each month.

 

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