1. New Edge Checking by Community State Bank™ bonus offer details: One bonus allowed per new account. Bonus offer is $400.00. Bonus will be paid within 30 calendar days of when all of the following occurs: 1) open a new checking account, which is subject to approval with a $100 deposit within 30 calendar days of opening the account; 2) a minimum of 2 reoccurring direct deposit transactions have occurred; 3) a minimum of 15 Visa® debit card transactions have been posted during qualifying period. Examples of direct deposits would be an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person-to-person payments (such as Zelle, Venmo or CashApp) are not considered a direct deposit or debit card transaction. Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your Community State Bank debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM transactions do not count towards this total. Debit card transactions authorized but not yet posted do not count toward the debit card requirement. Transactions must have posted to the account by the last business day of the qualifying period.
Eligibility: This offer is available exclusively to new consumer checking customers. All account owners, primary and joint, must be new to the bank or have not had a closed CSB personal checking within the past 12 months. Offer is not available for existing CSB consumer checking account customers. Minor accounts are eligible only if the minor is a new consumer checking account customer and is the primary account owner. The primary account owner is the owner whose Taxpayer Identification Number, such as Social Security Number, is assigned to the account and has tax responsibility. You are only eligible for one checking account cash bonus; you cannot open multiple checking accounts and receive multiple cash bonuses; bonus is only paid to the primary owner.
Additional terms of the bonus offer includes: Offer valid only when opening an Edge Checking by Community State Bank™. Account must be opened a minimum of 90 calendar days. Requirements must be met within the 90 calendar days of account opening. Your account must be open, in good standing and must have a balance greater than zero at the end of the 90th business day. Cannot be combined with other offers. Accounts and offers are only eligible to Iowa residents. We will deposit your bonus into your new checking account within 30 calendar days after you have met all offer requirements. Cash bonus will be reported to the IRS for tax purposes and you are responsible for any applicable taxes. Consult your tax advisor. Promotion ends 09/30/2025 and is subject to change without notice.
2. Annual Percentage Yield (APY): Rates may change after account opening. APY is accurate as of July 1, 2025, and is not an introductory rate. Rates will be paid only for that portion of your daily balance in each tier. 4.00% APY is for daily balances up to $25,000. To obtain the premium APY and ATM refunds, you must have an opening deposit of $100 within 30 calendar days of opening the account and meet the following requirements for the Edge Checking account by Community State Bank™: 1) a minimum of 15 VISA® debit card transactions posted per statement cycle. ATM transactions do not count towards this total; 2) set up a minimum of one direct deposit per statement cycle; 3) Receive your monthly statements for this account electronically. Primary account holder must enroll in online banking with eStatements. A valid email address is required to receive electronic statements. Direct deposits examples are an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person-to-person payment (such as Zelle, Venmo or Cashapp) are not considered a direct deposit. Qualifying VISA® debit card transactions are defined as point-of-sale transactions made with your Community State Bank debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). Debit card transactions authorized but not yet posted do not count toward the debit card requirement. Transactions must be posted to the account by the last business day of each statement cycle. An interest rate of 3.93% will be paid only for that portion of your daily balance that is $25,000 or less. The APY for this tier will be 4.00%. An interest rate of .34% will be paid only for that portion of your daily balance that is greater than $25,000. The APY range for this tier will be 4.00% to 1.07%. If your daily balance is $25,000 or less and you have not met the account requirements, the interest rate and annual percentage yield paid on that portion of your balance will be .10% APY. If your daily balance is greater than $25,000 and you have not met the account requirements, the interest paid on that portion of your daily balance will be .01% with an annual percentage yield range of .10% to .03%.
3. Non-CSB ATM Refunds: Maximum non-CSB ATM fee refund of $20 per statement cycle. Must meet the Edge Checking requirements to obtain refunds.
A $3.95 monthly statement fee will be assessed on accounts that do not sign up for e-Statements within 90 days of account opening. Fees may reduce earnings. Member FDIC.
