Personal Checking Accounts


All of our checking accounts include:


Regular
Checking
Advantage Checking Security Club
Plan 1
Security Club
Plan 2
E-Student
Checking

Centennial Rewards
Checking
(Interest Bearing1)

Super NOW
Checking
(Interest Bearing1)

Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00 $50.00 $100.00 $1,000.00
Monthly Service Fee $6.95 None $7.95 club account membership fee $10.95 club account membership fee None None $10.95 account maintenance fee
Balance Required to Avoid Monthly Service Fees $500.00 N/A N/A N/A N/A N/A $1,000.00
Dormant Account Charge2 $5.95 $5.95 $5.95 $5.95 $5.95 $5.95 $5.95
Limitations Students between the ages of 16 and 23. Parent or Guardian must be joint owner on account.
Interest Compounded and Credited N/A N/A N/A N/A N/A Monthly Monthly
Interest Computation Method N/A N/A N/A N/A N/A Daily Balance if criteria is met3 Average Daily Balance4
Statement Period Monthly Monthly Monthly Monthly Monthly Monthly Monthly
Statement Delivery Options5 Free eStatements

OR

$1.50 paper statement delivery fee per statement cycle

Statement includes imaged checks & deposits
Free eStatements

OR

$1.50 paper statement delivery fee per statement cycle
Free eStatements

OR

$1.50 paper statement delivery fee per statement cycle

Statement includes imaged checks & deposits
Free eStatements

OR

$1.50 paper statement delivery fee per statement cycle

Statement includes imaged checks & deposits
Free eStatements

OR

$1.50 paper statement delivery fee per statement cycle
Free eStatements

OR

$1.50 paper statement delivery fee per statement cycle

Statement includes imaged checks & deposits
Free eStatements

OR

$1.50 paper statement delivery fee per statement cycle

Statement includes imaged checks & deposits
Free Debit Card Yes Yes Yes Yes Yes Yes Yes
Free Online, Telephone and Mobile Banking6 Yes Yes Yes Yes Yes Yes Yes
Free Online Bill Payment Yes Yes Yes Yes Yes Yes Yes
Benefits & Additional Details Overdraft protection available Overdraft protection available Up to $10,000 accidental insurance7

$2,500 identity theft insurance7

1 free box of basic checks per year

Free cashier's checks & money orders

Overdraft protection available
Up to $30,000 accidental insurance7

$2,500 identity theft insurance7

1 free box of basic checks per year

Free cashier's checks & money orders

Overdraft protection available
Tiered rate account

Overdraft protection available
Overdraft protection available

1 The interest rate is a variable rate and we may change the interest rate on your account at anytime.
2 Dormant account charge will be charged monthly if balance is less than $500.00 and account has been inactive for 12 months.
3 The Daily Balance method applies a daily periodic rate to the principal in the account each day. If account criteria is not met, the Average Daily Balance method is used. During each statement cycle (ends the 4th Tuesday of each month unless Federal holiday) simply meet all of the following criteria: (1) At least 10 Visa Debit Card transactions must post to the account (excludes ATM transactions), (2) Receive electronic statements, (3) Log on to CSB Online Banking and view your account at least once, (4) One direct deposit/debit must post to account.
4 The Average Daily Balance method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
5 Paper statement fee waived for customers aged 62 or older.
6 Fees from your mobile or data carrier may apply.
7 Insurance we are offering is not a deposit. It is not insured by the Federal Deposit Insurance Corporation (FDIC) or other government agency that insures deposits. The insurance is not guaranteed by this financial institution or any affiliate.


Copyright 1998-2013. All rights reserved. Cumberland Security Bank, 107 South Main Street, Somerset, KY 42501 | 606-679-9361