Stay ahead of the curve. Get the rate you deserve.

Edge Checking Account

Looking for a checking account with a premium interest rate and ATM fee refunds?  Then you'll love Community State Bank's Edge Checking Account. With Edge, you'll earn a 4.00% APY1 and receive refunds for ATM fees2 if you:

Open your account with a minimum of $100
Use your Visa® debit card 15 times per month (excludes ATM-based transactions)3
Pay with a tap of your phone or smartwatch when you add your CSB debit card to your digital wallet
Receive your monthly statements via eStatements4
Set up at least one monthly direct deposit

Edge checking logo 11.23 01


(1) Edge Checking by Community State Bank™ Offer: $200 will be paid when the following occur: the account has been open a minimum of 90 days, a reoccurring direct deposit transaction has occurred, and the debit card has been used a minimum of 15 times. Requirements must be met within the 90 days. Offer is limited to one per customer and account (including signers on joint accounts). Offer is not available for existing Community State Bank personal checking account customers (including signers on joint accounts) or those who have closed a personal checking account within the past 12 months. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid. Promotion ends 6/30/2024. We will deposit your bonus into your new checking account within 30 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.
Annual Percentage Yield. Rate may change after account opening. APY is accurate as of March 1, 2024, 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 and meet the requirements listed above for the Edge Checking account by Community State Bank™. 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 $25,000 or more 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%. (2) Maximum ATM fee refund of $20 per month. (3) The 15 Visa® debit card transactions must post during the statement cycle. (4) Valid email address required. A $2.95 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.


Current Promotions

Earn $200 when you open an Edge Checking Account by June 30, 2024 and meet the minimum requirements.

Earn $200 with an Edge Checking Account

Earn $200 when you open a Money Market Savings Account by June 30, 2024 and meet the minimum requirements.

Read More
Earn $200 with a Money Market Savings Account

Switch to Edge

Our friendly, professional banking advisors will help you determine if Edge is best for you. Making the switch from your current financial institution to CSB is easy, thanks to our online switch tool called ClickSWITCH.

Monitor Your Edge

With CSB Mobile Banking, you can safely monitor your account from your phone - and pay bills, transfer funds, set up alerts and find ATMs. Don't meet one of the monthly requirements? No problem. You won't earn the premium rewards for that month, but you can start over the following month.

Questions?

Call us at 515.331.3100 or visit any of our nine branch locations.


(1) Edge Checking by Community State Bank™ Offer: $200 will be paid when the following occur: the account has been open a minimum of 90 days, a reoccurring direct deposit transaction has occurred, and the debit card has been used a minimum of 15 times. Requirements must be met within the 90 days. Offer is limited to one per customer and account (including signers on joint accounts). Offer is not available for existing Community State Bank personal checking account customers (including signers on joint accounts) or those who have closed a personal checking account within the past 12 months. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid. Promotion ends 6/30/2024. We will deposit your bonus into your new checking account within 30 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.
Annual Percentage Yield. Rate may change after account opening. APY is accurate as of March 1, 2024, 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 and meet the requirements listed above for the Edge Checking account by Community State Bank™. 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 $25,000 or more 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%. (2) Maximum ATM fee refund of $20 per month. (3) The 15 Visa® debit card transactions must post during the statement cycle. (4) Valid email address required. A $2.95 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.
(5) Consumer Money Market Account Offer: $200 will be paid by opening a personal money market account with a minimum deposit amount of $1,000. Bring $25,000 or more in new money to your new money market account by Day 30 and maintain at least $25,000 balance through Day 90 after account opening. Offer is limited to one per customer and account (including signers on joint accounts). Offer is not available for existing Community State Bank personal money market savings account customers (including signers on joint accounts) or those who have closed a personal money market savings within the past 12 months. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid. Promotion ends 6/30/2024. We will deposit your bonus into your new savings account within 30 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.
New money is defined as funds not currently on deposit at Community State Bank, or funds that have been on deposit at Community State Bank for 14 business days or less.
Minimum Balance for APY(5) APY(5) Minimum to Open
$.01 - $9,999.99 0.40% $1,000.00
$10,000.00 - $49,999.99 1.01% $10,000.00
$50,000.00 - $99,999.99 1.01% $50,000.00
$100,000.00 - $249,999.99 1.07% $100,000.00
$250,000.00 + 1.15% $250,000.00
(5)Annual Percentage Yield. Rates may change after account opening. APYs are accurate as of March 1, 2024, and is not an introductory offer. Fees may reduce earnings. A maintenance fee of $10.00 will be charged if the average daily balance falls below $1,000.00 in a statement cycle.
$8 Fee per debit transaction or check paid in excess of six per statement cycle.
$2.95 paper statement fee, If balance falls below $5000 per statement cycle (waived with eStatements). Fees May reduce earnings.
Member FDIC.