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Achieve your personal financial goals with the right account for your banking needs. We personalize your experience by helping you select the best account for your banking needs.

All Checking Accounts Feature:

  • Free Online Banking with free bill pay feature
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements with online check images
  • Free Debit Card
  • Optional Paper Statement $3.00 per account
  • $5.00 per month dormant fee may apply after 12 months of no activity
  • All fees may be subject to state sales tax


Free Checking

A free account for everyone

  • Unlimited check writing 
  • No minimum balance requirement
  • No monthly service fee
  • Minimum opening deposit $100
  • When using an ATM not owned by Central State Bank, you may be charged a fee

CLASSIC 55 Checking

(for customers 55 and older)

  • Earn interest with no minimum balance
  • Free Wire Transfers
  • Free Cashier's Checks
  • Free first box of checks (100 checks)
  • Minimum opening deposit $100
APY¹ Interest Rate Minimum to Open
0.10% 0.10% $100.00

Cornerstone Checking

Get more out of your money with this interest earning account

  • First 25 debits per month are free. Any additional $0.15 per check/debit (waived if balance requirement met)
  • Minimum balance of $750 to avoid a low monthly fee of $7.50
  • Minimum opening deposit $750
  • Interest Bearing
APY¹ Interest Rate Minimum to Open
0.10% 0.10% $100.00



(1) Annual Percentage Yield. Rates subject to change. APY is accurate as of 6/21/2024 . Daily Balance Method is used to calculate interest which applies a daily periodic rate to the principal balance in the account each day. Interest on your account will be compounded monthly and credited monthly. Fees may vary and reduce earnings.

All checking accounts are subject to approval. Geographic restrictions may apply.