Personal Checking

Checking accounts have several features that can help you manage your finances. Among these features are the ability to deposit and withdraw money, pay your bills, send and receive money through your phone or other electronic device, track your spending, and keep money secure.

Choosing a checking account that's right for you is easy. Choose the account below that best meets your financial needs or view our Personal Checking Brochure to learn more:


  • No Minimum Balance Requirement
  • Up to 3 ATM Surcharge Fees Refunded Monthly
  • To avoid paper statement fee, enroll in e-statements


Add the following free services to your account:

Bill Pay

Debit Card

Online Banking

My Credit Score

Mobile Banking

Eligibility Requirements to open account:
Minimum age requirement of 18 years old (you may elect to make this a minor account if you are at least 16 years old - if under 18, joint ownership required.) All stated rates are subject to change at any time. Please click here or contact us for current rates. Paper Statement Fee: A $5.00 monthly fee will be charged to receive paper statements. To avoid this fee, enroll in online electronic statements. Account Closure: If you close your account before the interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit noncash items. Please see one of our customer service representatives for complete disclosure and fee information regarding these accounts.

Other Benefits Included with Your Checking Account:

CSB Online

Digital Wallet

Your Community Savings Bank debit card is compatible with Apple Pay®, Google Pay™ or Samsung Pay®.

Are you new to using a Digital Wallet?

Digital wallets are a way to store, use and pay with your cards directly from your smartphone or other smart device. They eliminate the need for you to carry and use your physical card, all while offering a fast, secure way to make purchases where accepted. 

Now you can make payments with quickly and conveniently at checkout in stores, online and for in-app payments, all while never needing your physical CSB Debit card, using your Digital Wallet

Learn More About Digital Wallet

ATM/Debit Card

Checking accounts are eligible for approval to have an ATM/debit card, securely chipped for your protection and accepted at thousands of merchants and ATM machines nationwide. Standard maximum daily limits are $525 for ATM withdrawals and $1000 for POS debit card purchases. Requests for higher limits can be made by calling us 513-734-4445.  When you use your Community Savings Bank debit card, you are protected against fraud with Zero Liability Protection. For additional protection use debit card management in the mobile app to: 

  • Turn your debit cards on or off from your smartphones
  • Sign up for alerts based on transactions
  • Set limits for spending which is great for parents
  • And set other features
  • Click Here For A Guide to My Cards
CSB Online

Lost/Stolen Card

In the event of any unauthorized use of your Community Savings Bank issued debit card, or if it is lost or stolen, future activity can be blocked by:

  • Signing into the CSB Online App, tapping My Cards* and setting the toggle switch to Card is Off
  • Calling the branch at 513-734-4445 or 937-981-3123 during business hours, or
  • Calling 800-554-8969 after business hours

*Card Management must be activated in the App for this option to be available.

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