When you place your trust in a bank, you want to be sure it has an account that's right for you. One that gives you the most for what you need. That’s exactly why Central State Bank has so many accounts from which to choose. We offer everything from FREE Checking to interest bearing checking. You’ll find one account that has your best interest at heart.


CSB CLASSIC 55 Checking 

Exclusively for customers age 55 and over. The CSB Classic 55 account earns you interest with no minimum balance, a no fee ATM/Debit Card, free wire transfers and free cashier's checks. There is no charge for Insufficient funds transfers and you can opt for free Internet Banking services if you desire. PLUS - you get one year free rental of a small safe-deposit box AND your first box of checks are free too! Simply CLASSIC! (For more informationclick here)


CSB FREE Checking

FREE, like the sound of that word? Then check out our free checking. It offers unlimited check writing with no fees, and you can even get a Debit/ATM Card for extra convenience! This account offers no minimum balance requirements, and we only require $100.00 to open the account. (For more information, click here)


CSB E-Checking
Are you a new-age computer user? This account might be just what you’re looking for. This account offers no minimum balance requirements, has free eStatements, free online bill pay, a free ATM/Debit Card is available, and requires there be one direct deposit into this account. (For more information, click here)

CSB Personal Basic Checking
This account requires you keep a minimum balance to avoid a service charge, but it offers a few perks for you. This account must keep a minimum balance of $300.00 otherwise, if you fall below, there is a service charge. However, this account has the option of Insufficient Funds Transfer, Free paper statements, a free ATM Card, your initial box of checks (bank’s choice) is free, and your Debit card is only $9.00 annually. (For more information, click here)

CSB Cornerstone – Now
Are you looking to earn interest on your account but not be limited to how many checks you can write? Then this is the account for you! This account must keep a minimum of $750.00 otherwise, if you fall below, there is a service charge. This account does earn interest with rates subject to change. This account also offers Insufficient Funds Transfer, Free Bill Pay (inactivity fees may apply), and Free ATM/Debit Cards. (For more information, click here)

CSB Checking Plus+
Do you demand more from your checking account? Then look to us to bring it to you. Our Checking Plus+ account is designed to give you more services and perks than a standard account, all for a low monthly fee. It doesn't matter what type of checking account you have, you can make it a Checking Plus+ account. This account includes travel incentives, discounts and packages as well as 24-hour accidental death and dismemberment coverage. For information on this product, contact your local Customer Service Representative.

For more detailed information about the AD&D insurance coverage, contact 800-532-1423. Insurance products are not deposits, not FDIC insured, not insured by any federal government agency, and not guaranteed by Central State Bank.

Switch your banking to CSB with our



It's easy! Just fill in your information securely right online. Save your Switch Kit and email it to us at csb@centralstate.bank, print it out and drop it in the mail or just bring it in to one of our locations. A Customer Service Specialist will walk you right through the process!

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CDs and IRAs
Both are great ways to prepare yourself for your family's future.