eBanking


Mobile Banking
Get a grip on your finances with Mobile Banking. With this FREE* service, you can perform the following tasks from the palm of your hand:
  • Check account balances
  • View transaction history
  • Transfer funds
  • Search for the nearest Cumberland Security Bank branch or ATM
Mobile Banking is available in three forms:
  • Text (SMS) Banking – Send and receive text messages to view your account information
  • Mobile Web Site – A site designed specifically for cell phones
  • Mobile Apps – Download free apps for your iPhone®, Android™ or BlackBerry® smartphone
*Depending on your cell phone plan, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

+ How to become a mobile banking user
+ Frequently Asked Questions



Online Banking
CSB Online Banking gives you instant secure access to all your accounts from any computer that has an Internet connection.

CSB Online Banking customers can:
  • View and search account history
  • Transfer funds from one account to another
  • Pay one-time, occasional and recurring payments online
  • Make loan payments online
  • View account statements online
  • View estimated future account balances
  • Send and receive secure messages to and from Cumberland Security Bank
  • Estimate future account balances based on expected deposits and withdrawals
  • Categorize transactions for improved monitoring of your finances
  • View images of checks online
  • Schedule one-time and recurring transfers
  • Download account information into Quicken® or Microsoft® Money
  • Receive e-mail notifications of account balances, transactions and payments due
Additionally, our optional Online Banking Cash Management module provides these great features for businesses:
  • ACH origination
  • Wire transfers
  • Book transfers
  • Tax payments
  • Summary and balance reporting
  • Check ordering


ACH Origination
ACH Origination is a service that allows businesses to originate electronic transactions which can be debits or credits. Examples of debit transactions include utility payments, account drafts, membership fees, dues, insurance premiums, etc. Credit transactions are usually for direct deposit of payroll, electronically crediting a deposit account for the net payroll amount.

ACH Origination can reduce the costs associated with manually processing debits and credits. For example, it can be a costly hassle to create and manually distribute payroll checks, especially when you have multiple shifts, and absent or sick employees. The cost of direct deposit of payroll using ACH Origination is only a fraction of the cost of manual processing.

Similarly, manually creating invoices, mailing them to customers, providing a return envelope, waiting for checks to be mailed, and creating deposits can be rather costly. Using ACH Origination to direct debit those accounts is a much more cost-effective way of processing those receivables.

Let one of our representatives help you identify how ACH origination can benefit your business!



eStatements
Receive your account statements electronically with our eStatement service. Rather than waiting days for your statement to come in the mail, you can access it securely online the day after it is generated. This gives you the options to view, print and download your statements in electronic format. When you enroll for this service, you may choose to receive your statements through CSB Online Banking, by secure email, or both. eStatements are fast, convenient, secure and best of all, free!

+ More information



Remote Deposit
If your business deposits a large number of checks, our Merchant Capture service may be just what you need. With the help of our easy-to-use software and scanner, you can deposit all of your checks right from your office! Not only does this service save you time and gas spent driving to the bank each day, it also extends the daily cutoff time for posting your deposit. Start making more productive use of your time. Contact our Operations Department about Merchant Capture today!



InTouch 24-Hour Phone Banking
Now banking is as convenient and as accessible as picking up your phone! Our InTouch service is a 24-hour telephone information and funds transfer system designed to make banking easier than ever. From any touch-tone phone, you can access important information and transfer funds between accounts by simply dialing 606-679-4CSB (4272).

InTouch allows you to:
  • Access your accounts 24/7
  • Check balances
  • Transfer funds between accounts
  • Make loan payments
  • Review transaction history
  • Re-order checks
  • Check current interest rates
  • Verify available funds for a check

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