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 Our Deposit and loan Products

 

 Consumer Accounts

 Business Accounts

 Certificates of Deposit and IRA CDs

For Interest rates or disclosures regarding any of these accounts please call or stop by any of our offices.

 Our Loan Products

 Dreaming of the perfect get away but a little short on cash?
We can help!!
Call us today and ask about a home equity line of credit

 

At Community State Bank of Southwestern Indiana we offer a wide range of loans to suit your needs.  We have well trained Loan Officers at each location that can handle your needs as they occur.  Whether it be a loan for personal use or Commercial needs we've got you covered.  Call or stop by any of our offices today to see what we can do for you.

Below are just some of the types of loans we offer:

 Consumer Loans

 Commercial Loans

 Consumer Loans

First Mortgage Loans
(Adjustable and Fixed Rate Loans)

Mobile Home Loans

Home Equity Line of Credit

                          

       

   



Automobile and Truck Loans       



Short Term Loans

Personal Loans

Education Loans










 Commercial Loans

                       

Commercial Operating Loans

Commercial Real Estate Loans

Construction Loans

Commercial Lines of Credit       



Farm Equipment and
Farm Real Estate Loans

Farm Operating Loans

Dairy and Produce Operations

 

 Merchant Services

Benefit - With our partner (CBMS) we offer you the ability to accept Credit and Debit cards as a form of payment from your customers.

** CBMS states they will meet or beat your current processing fees or they will pay you $100.  Please call any of our offices to get your free quote.

 

 Credit Cards

Benefit - With our partners TCM & Bankers Bank  we offer you the ability to carry Credit cards with Community State Bank of Southwestern Indiana.  We offer competitive interest rates and we also offer cards that accumulate points that can be used to receive free gifts.

Stop in at any of our offices to get your application today.

 Our Deposit Products

 Consumer Accounts

 Business Accounts

 Certificates of Deposit and IRA CDs


 Consumer Accounts

 Checking Accounts
Regular Checking Account
Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge of $5.00 will be imposed each statement cycle if the daily balance falls below $300.00 any day of the cycle.


Now Checking Account
Minimum balance to open the account - You must deposit $500.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge of $8.00 will be imposed each statement cycle if the daily balance falls below $500.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.  No interest will be accrued on the days the collected balance is below the minimum of $500.00
Compounding and crediting frequency - We compound interest monthly and credit interest earned monthly (at the end of each statement cycle).

EZ Checking Account
Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees - There is no minimum balance fee if the account holder has at least $.01 in the ledger balance, uses a debit card at least once during the statement cycle, and gets their statements through email.
Account holder agrees to notify Community State Bank immediately of an email address change in writing by US mail to Community State Bank.  If the email address is changed by electronic communication to Community State Bank, temporarily you may get a statement delivered by US mail until the email change can be confirmed.  If the acount holder does not abide by these terms, Community State Bank will convert the account to a Consumer Checking Account.                                            Statement Delivery - Monthly statement will be sent through secure email instead of through the US mail.

 

 Savings Accounts

Christmas Club Savings Account
Minimum balance to open the account - You must deposit $5.00 to open this account.
Compounding and crediting frequency - Interest will be compounded annually and credited annually to your account (at the end of the account cycle).
Transaction limitations - No withdrawals are allowed during the account cycle.  A fee of $10.00 will be charged for early withdrawal and the interest will be forfeited.


Statement Savings Account
Minimum balance to open the account - You must deposit $200.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge of $2.00 will be imposed each month if the balance falls below $200.00 any day of the month.
Minimum balance to obtain the annual percentage yield disclosed - Tiered interest rates on daily collected balances of:

                     0

      to    

  499

            
   500   to

2,499

 
   2,500   to

9,999

 
   10,000   to

19,999

 
   20,000   to

 49,000

 
   50,000   and

 over

 

Compounding and crediting Frequency - Interest will be compounded every quarter and credited each quarter to your account.
Transaction limitations - You are limited to three (3) withdrawals per month.  A fee of $2.00 per withdrawal will be imposed on each withdrawal over the limit.

 Money Market Accounts

Investor Money Market Account
Minimum balance to open the account - You must deposit $1,000 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed each statement cycle is the balance falls below $1,000 any day of the cycle.
Minimum balance to obtain the annual precentage yield disclosed - Tiered interest rates on daily collected balances of:

                             

$  0

          to         

 $   9,999

                    
 

 10,000

 to

 24,999

 
 

 25,000

 to

   49,999

 
 

 50,000

 to

 99,999

 
 

 100,000

 and

 over

 


Compounding and crediting frequency - We compound interest monthly and credit interest earned monthly (at the end of each statement cycle).
Transaction limitations - Transfers from this Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle (monthly) with no more than three (3) by check, draft or similar order to third parties.

Golden Money Market Account
Minimum balance to open the account - You must deposit $10,000.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $15.00 will be imposed each statement cycle if the balance falls below $10,000.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - Tiered interest rates on daily collected balances of:

                      

$   0 

     to    

$  9,999 

                

 

10,000 

 to

24,999 

 

 

25,000 

 to

      49,999 

 

 

50,000 

 to

    99,999 

 

 

100,000 

 and

over 

 


Compounding and crediting frequency - We compound interest monthly and credit interest earned monthly (at the end of each statement cycle).
Transaction limitations - Transfers from this Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle (monthly) with no more than three (3) by check, draft or similar order to third parties. 

 

  

 

 Business Accounts

 Business Checking Accounts

Business Checking Account
Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge of $3.00 will be imposed each statement cycle if the daily balance falls below $300.00 any day of the cycle.
Analysis Charge - A charge of $.15 per debit item will be deducted from the earnings credit paid on the daily collected balance.  The earnings credit rate is subject to change daily.


Business NOW Checking Account Sole-Proprietors Only
Minimum balance to open the account - You must deposit $500.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge of $8.00 will be imposed each statement cycle if the daily balance falls below $500.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.  No interest will be accrued on the days the collected balance is below the minimum of $500.00
Compounding and crediting frequency - We compound interest monthly and credit interest earned monthly (at the end of each statement cycle).

 Business Savings and Money Market Accounts

Statement Savings Account
Minimum balance to open the account - You must deposit $200.00 to open this account.
Minimum balance to avoid impostition of fees - A service charge of $2.00 will be imposed each month if the balance falls below $200.00 any day of the month.
Minimum balance to obtain the annual percentage yield disclosed - Tiered interest rates on daily collected balances of:

     

$  0 

      to 

499 

          

 

500 

 to 

2,499 

 

 

2,500 

 to 

9,999 

 

 

10,000 

 to 

19,999 

 

 

20,000 

 to 

49,999 

 

 

50,000 

 and 

over 

 

Compounding and crediting frequency - Interest will be compounded every quarter and credited each quarter to your account.
Transaction limitations - You are limited to three (3) withdrawals per month.  A fee of $2.00 per withdrawal will be imposed on each withdrawal over the limit.

Investor Money Market Account
Minimum balance to open the account - You must deposit $1,000.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed each statement cycle if the balance falls below $1,000.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - Tiered interest rates on daily collected balances of:

   

$   0 

  to 

$ 9,999 

        

 

10,000 

  to 

24,999 

 

 

25,000 

 to 

49,999 

 

 

50,000 

 to 

99,999 

 

 

100,000 

  and 

over 

 


Compounding and crediting frequency - We compound interest monthly and credit interest earned monthly (at the end of each statement cycle).
Transaction limitations - Transfers from this Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle with no more than three (3) by check, draft or similar order to third parties.

Golden Money Market Account
Minimum balance to open the account - You must deposit $10,000.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $15.00 will be imposed each statement cycle if the balance falls below $10,000.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - Tiered interest rates on daily collected balances of:

   

$   0 

      to 

$ 9,999 

      

 

10,000 

  to 

24,999 

 

 

25,000 

  to 

49,999 

 

 

50,000 

 to 

99,999 

 

 

100,000 

 and 

over 

 

 
Compounding and crediting frequency - We compound interest monthly and credit interest earned monthly (at the end of each statement cycle).
Transaction limitations - Transfers from this Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle with no more than three (3) by check, draft or similar order to third parties.
 

 

 

 

  

 

 

 Certificates of Deposit

 Certificate of Deposit

 We offer the following CD terms:

Term 

Minimum to open  

Penalty for early withdrawal 

3 Month 

$500.00 

30 days 

6 Month 

$500.00 

90 days 

1 Year 

$500.00 

180 days 

18 Month 

$500.00 

180 days 

2 Year 

$500.00 

180 days 

30 Month 

$500.00 

270 days 

3 Year 

$500.00 

270 days 

4 Year 

$500.00 

365 days 

5 Year 

$500.00 

365 days 

Terms other than above may be available upon request

 

Greater Penalties may apply on
special rates or conditions

 

 

 

 

 

  

 

   

 IRA CDs

   IRA Certificate of Deposit

 Term

 Minimum to open

 Penalty for early withdrawal

18 Month TDOA
Variable Rate

$25.00

180 days

1 Year

$500.00 

180 days 

2 Year

$500.00

180 days 

3 Year

$500.00 

270 days 

 5 Year 

$500.00 

365 days 

                                   

                             

Greater Penalties may apply on
special rates or conditions

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