Dear Valued CSB Customer,

We are pleased to announce that Community Savings Bank will upgrade to a new core banking system on October 20, 2025. This system upgrade is part of our commitment to remain in the forefront of banking technology and enhancing the experience for our customers. Upgrading our core will allow us to bring exciting new services to you.

Some of the new services that bring greater convenience include:

• Online and more efficient in-branch account opening

• The latest cyber security technology

• Online transfers with your other financial institutions

• New debit cards with contactless payment and improved encryption

We are confident the new system will position us to continue to meet your banking needs.
Please review the enclosed Frequently Asked Questions that will be helpful in answering most of your questions and look for more specific information as we get closer to the October upgrade. We want to offer you complete communication and assistance as we
move into this period of transition.

On behalf of our team, I want to thank you for banking with Community Savings Bank. We appreciate your business, value our growing relationships, and look forward to providing you with valuable financial solutions for years to come.

Sincerely,

John Essen

President & CEO 

Will my account number(s) stay the same?

Yes. All of your account numbers will be the same. You can also continue writing checks and use your existing checkbook.

Will I still receive my statement?

Yes, you will still receive your monthly statement. You will also receive an additional statement dated 10/17/2025. Moving forward, all customer statements will be dated for month-end.

Will my current direct deposits or ACH transfers be affected?

No. Since your account number and the bank’s routing number are not changing, all current direct deposits or ACH transfers will continue to be processed normally.

Will there be a period where I do not have access to my funds due to the conversion?

While we’ve planned this conversion to minimize the impact on any of your automatic deposits and withdrawals, you should carry an alternative form of payment as backup during this conversion weekend in case of an unplanned disruption of service.

How does the conversion process affect my Online Banking and Mobile Banking App?

There will be a brief period of downtime for both of these during the weekend of the conversion. When you log back into your Online Banking for the first time after 10/20, you will be prompted to re-enroll into these services. As we get closer to the conversion date, we will provide easy instructions on how to log in to your new Online Banking, and how to download and use your new updated Mobile Banking app.

Can I continue to use my existing debit card?

You will be able to use your existing debit card until 10/20/2025 when our core conversion completes. Starting on 10/19, you can activate and use your new contactless debit card that will be mailed to you in early October.

Who should I contact if I have any other questions?

We want to assure you that we are still the same community bank that we have been since 1889. If you have any questions, feel free to give us a call at 513-734-4445 (Bethel) or 937-981-3123 (Greenfield), email us at online@bankwith-csb.com or stop into either our Bethel or Greenfield branches to talk in person.

We will be sending you an additional mailer in the beginning of October to help answer more commonly asked questions about these services, and to give an even more detailed timeline on the transition and upgrading of these.