Minimum balance to open - The minimum balance to open this account is $100.00.
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees and charges - Each monthly statement cycle, this account will be charged a $5.00* maintenance fee plus $0.07* per item (includes all debits, credits, and checks deposited) with $0.50 credit for every $200.00 of average balance.
Credit against fees - This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit. The earnings credit will be calculated by applying the credit to the average daily balance in the account for the period. The earnings credit for the account is $0.50 per $200.00 average daily balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle. You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit. Earnings credit begins on the business day you deposit noncash items (for example, checks).
Internet Banking - Internet banking is available as a free service.
Paper Statements - Paper statements are available as a free service.
eStatements - eStatements are available as a free service, you just need to be enrolled in internet banking and opt in via your online account.
Bill Pay - Bill pay is free for your first 6 months and then available for $5.25* a month. Just opt in and agree to terms online.
Business Debit Card - Upon approval, a business debit card is available for an annual fee of $12.00*. Additional cards are available for an annual fee of $9.00* per card.
Payroll/ACH Origination - Available at Central State Bank's discretion. Contact the Bank at (563) 245-2619 for more details and fees.

*Fees subject to Iowa Sales Tax.