Disclosure

Open a Edge Checking® account by March 31, 2026 to qualify for this offer. Subject to change without notice.

¹New Client Edge Checking® Bonus offer: Earn a $400 bonus when you open a new Edge Checking® account, subject to approval, and meet all of the Edge Checking® premium interest requirements within 90 calendar days of account opening (“the qualifying period”). See Edge Checking® Premium Interest Requirements below for qualifying details.

Bonus Eligibility: This offer is only available to new Community State Bank (CSB) clients who open a new Edge Checking™ account. All Edge Checking® Premium Interest requirements must be met, premium interest earned and credited to the account at least once during the first 90 calendar days of account opening date (“qualifying period”).  The account must also be open for at least 90 calendar days and have a positive balance at the end of the “qualifying period” to be eligible for the bonus. Primary account owner must be new to the bank. This offer is not available to current CSB customers who currently have another type of consumer checking account, or to anyone who has had any type of CSB consumer checking account within the past 12 months, even if they have not previously held an Edge Checking® account. Minor accounts are eligible only if the minor is a new consumer checking account customer and is the primary account owner. You are only eligible for one checking account cash bonus per tax identification number; you cannot open multiple checking accounts and receive multiple cash bonuses; bonus is only paid to the primary owner. Bonus offer is only available to residents of Iowa. Cannot be combined with any other offers.

Minimum to Open: A minimum opening deposit of $100 is required for Edge Checking.

Bonus Payment: The bonus will be deposited into your Edge Checking® account within 30 calendar days after the end of the 90-day “qualifying period”, provided all qualifying and eligibility requirements were met.

Early Closing Fee: An early closing fee of $30 will be charged if your Edge Checking® Account is closed within 90 calendar days of account opening, regardless of bonus qualification.

Edge Checking® Premium Interest Requirements (per statement cycle):

• Debit Card Activity*: A minimum of 15 Visa® debit card transactions have posted and settled to your account. ATM transactions do not count toward this requirement,

• Direct deposit*: Have at least one direct deposit ACH (Automated Clearing House) posted and settled to your account; and

• Electronic Statements: You must be enrolled in electronic statements and receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery. Primary account holder must enroll in e-Statements. All requirements must be met within the same statement cycle to qualify for the premium interest for that statement cycle.

²Edge Checking® Annual percentage yield (APY). APY is accurate as of December 17, 2025, and is not an introductory rate. Rate may change after account opening. Rates will be paid only for that portion of your daily balance in each tier. 4.00% APY is for balances up to $25,000. You must have a minimum opening deposit of $100. To earn the premium APY and non-CSB ATM fee refunds, you must meet all Edge Checking® premium interest requirements during 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 APY 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 APY range of .10% to .03%.

Paper Statement Fee: Valid email address required for e-Statements. A $3.95 paper statement fee will be assessed on all accounts that do not sign up for e-Statements within 90 days of account opening. Fees may reduce earnings.

Non-CSB ATM Fee Refunds: Maximum refund of $20 per statement cycle when all Edge Checking® requirements are met during the same statement cycle. If requirements are not met, any non-CSB ATM fees refunded through the same statement cycle will be reversed on the last day of the statement cycle in a single charge to your account, labeled “Prior Month ATM Refunds”. 

*Qualifying Transactions for Edge Checking® bonus offer and APY requirements: 

Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your 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. Direct deposit ACH examples are, but not limited to, an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person or Account to Account payments (such as, but not limited to, Zelle, Venmo or CashApp) are not considered a direct deposit. All transactions must have posted and settled to the account by the last business day of the statement cycle.

Tax Information: All bonuses and offers will be reported to the IRS under the primary account owner, as applicable. The primary account owner is the owner whose Taxpayer Identification Number (TIN), such as a Social Security Number (SSN), is assigned to the account and has tax responsibility. Client will be responsible for taxes on this bonus. Consult your tax advisor.