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Checking & Savings Accounts

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Multiple Options for You to Choose From

No two people have the exact same financial situations. That's why it pays to have a checking and savings account that are fitted to your finances. Our personal banking staff will gladly help you sort through the checking and savings accounts we offer to find the ideal fit for you.


Checking Options

Free Checking

  • Best for you if you want a low-cost checking account
  • No monthly service charge
  • No minimum required balance
  • No transaction limits

NOW Checking

  • Best for you if you can carry a balance over $1,000 in your checking account and want to earn interest on your funds
  • $1,000 minimum average balance requirement with no fees; $5 fee for balances below $500 and $3 fee for balances $500 or greater but less than $1,000
  • No transaction limits

Money Market Account

  • Best if you can keep a large balance and want to be rewarded for it
  • $2,500 minimum balance requirement; average daily balances below $2,500 incur a $10 monthly service fee
  • Interest-bearing account
  • Six transfers per month

Savings Options

Regular Savings

  • Best for you if you are just starting a savings plan or can only devote a little bit of your income to savings.
  • $50 minimum balance requirement; balances below $50 will not earn interest and may be closed
  • Immediate access to funds
  • Six withdrawals per month

ILUTMA - Illinois Uniform Transfer to Minors Act Account

  • Funds owned by, but are not directly accessible by the minor account holder until they reach age 21
  • Only one adult custodian can be listed on the account
  • A successor custodian may be named
  • Funds can be withdrawn for purposes that benefit the child that go beyond normal parental support obligations

Christmas Club Savings Account

  • Best for you if you want a separate place to save throughout the year for the busy holiday season, a vacation, or another investment.
  • Make 49 deposits to this account, and we'll make the 50th!
  • Funds are ready for you to start using in October
  • Weekly automatic transfer for any amount between $10-$100 from a CSB account

Certificates of Deposit

  • Ideal for you if you want to grow excess funds securely over a certain period of time
  • Competitive rates on terms that last up to 5 years

Get Started Today!

Make an appointment with any of the following Community State Bank team members to go through all the details and help you choose the right account combination. You can also stop by any of our offices during business hours to learn more or open your account.

  • Kewanee (Tenney St.)

  • Jessica Nevarez

    Personal Banker

    Location: Kewanee (Tenney St.) Divisions:  Personal Banker
    Phone: (309) 853-8182 Get in touch with me
  • Michelle Costenson

    Personal Banker

    Location: Kewanee (Tenney St.) Divisions:  Personal Banker
    Phone: (309) 853-8182 Get in touch with me
  • Kewanee (Main St.)

  • Rosie Jackson

    Personal Banker

    Location: Kewanee (Main St.) Divisions:  Personal Banker
    Phone: (309) 932-8181 Get in touch with me
  • Franklin

  • Jenny King

    Personal Banker

    Location: Franklin Divisions:  Personal Banker
    Phone: (217) 675-2311 Get in touch with me
  • Galva

  • Jake Warner

    Personal Banker

    Location: Galva Location: ATM--Bishop Hill Creative Commons Location: ATM--Hathaways Ace Hardware & Fresh Market--Galva Divisions:  Personal Banker
    Phone: (309) 932-8181 Get in touch with me