We're enhancing your banking services!
We’re excited to share that Community State Bank (CSB) is upgrading our banking system Sept. 29 - Oct. 5, 2026, to better serve you and enhance your overall banking experience.
As we are preparing for this important update, we’d like to inform you of some upcoming dates and impacts to consumer products and services.
Additional Information
- Transactions completed on Thursday, Oct. 1 after 6:00 p.m. CST, will start to reflect in your current balance beginning Monday, Oct. 5 - Thursday, Oct. 8.
- ATM deposit services will continue to be available. All deposits made after 2:00 p.m. Thursday, Oct. 1 will post on Monday, Oct. 5.
- Check deposits through online and mobile banking (inclusive of remote deposit capture/check deposit on mobile banking) will not be available from Oct. 2 - Oct. 5.
- During this upgrade window beginning Thursday, Oct. 1 at 6:00 p.m. - Monday, Oct. 5 at 8:00 a.m., online, mobile and telephone banking will be unavailable.
- Zelle and Card Control will be unavailable Tuesday, Sept. 29 at 9:00 p.m. - Oct. 5. at approx. 8:00 a.m.*
- Bill Pay will be unavailable beginning Thursday, Oct. 1 at 6:00 p.m. - Monday, Oct. 5 at 8:00 a.m., but will still send previously scheduled payments.
- My Card Rules Debit Card Control* - the current card controls within online banking will be updated and will be unavailable beginning on Tuesday, Sept. 29 at approx. 9:00 p.m. Clients will be prompted to re-enroll their cards to enable preferred alerts and transaction controls.
- All branches will close at 4:00 p.m. on Friday, Oct. 2.
- All branches will be closed on Saturday, Oct. 3. Debit cards can be used for purchases and withdrawals during this time.
- Our Client Care team will be available to assist with any questions you may have:
- Monday - Thursday 8:00 a.m. - 5:00 p.m.
- Friday 8:00 a.m. - 5:30 p.m.
- Saturday 9:00 a.m. - Noon. * Extended hours of availability on Saturday, Oct. 3 from 8:00 a.m. - 2:00 p.m.
- Contact Client Care at: (515) 331-3100 or internetdept@bankcsb.com
Bank Statement Update
As part of our upgrade, customers will receive two statements for the month of October. One will be an interim statement with information from the first day of the current statement cycle through Oct. 1. The other will be the information from Oct. 2, through the normal statement date. Consumer account service charges will be waived for the month of October
Important Information Effective Oct. 5, 2026
Person-to-Person Deposits Using Your Debit Card* - The close of business for person-to-person deposits that are processed on your CSB debit card is changing to 2:00 p.m CST. Any deposits after the cutoff time of 2:00 p.m. or on any day we are not open will be processed on the next business day.
Telephone Banking (iTalk) - The current Telephone Banking system is changing to a system called iTalk. Clients who call in to do telephone banking may receive a prompt to change their PIN. Please listen carefully to the menu options as they may be changing. Clients must complete re-enrollment within 30 days. Please contact Client Care at (515)331-3100 if completing re-enrollment after 30 days.
Zelle* - Zelle will be unavailable starting Tuesday, Sept. 29 at 9:00 p.m. through Oct. 5 at approx. 8:00 a.m. A full re-enrollment in Zelle will be necessary at this time inclusive of payee set-up and recurring payments. We recommend recording that information from your existing Zelle setup prior to this period to aid in re-enrollment. Other changes to Zelle after Oct. 5 include the following: split payments will no longer be available through Zelle. Standard transaction dollar limits of $2,000/day, $5,000/week and $10,000 total/month will apply. Transaction limits of 5/day, 25/week and 100/month will apply. If you have questions regarding these limits, please contact our Client Care team at (515)331-3100.
Check Images - Beginning on Oct. 2, your historical check images will be unavailable for a period of time. Please contact our Client Care team at (515)331-3100 for any check images needed.
Bill Pay Changes (iPay) - Sufficient funds will need to be in the account in order to process scheduled bill payments. If there are insufficient funds and consumer does not have Courtesy Pay or any other type of overdraft protection in place, payments could be delayed.
Statements - Our statements will have a new look beginning on Oct. 5, 2026. Please note that after the conversion, your deposit account statement date, interest accrual date and any applicable service charges will align on the same date. Please download your statement before 6:00 p.m., Thursday, Oct. 1, if you need access to your statement over the weekend of Oct. 2 - 5.
- After Oct. 5, two options will be available to access your statements. Client may select date of statement from the following options:
- Statements available prior to Oct. 5.
- Statements available after Oct. 5.
Effect on Closing an Account – All accrued interest will be forfeited if you close your account early.
Certificate of Deposit (CD) Account Names - Your CD account name will appear in months, rather than days or years.
Important Update to Scheduled Transfers - Recurring transfers between your Community State Bank (CSB) accounts scheduled for a weekend or federal holiday will be processed on the next business day.
Courtesy Pay / Courtesy Pay Plus* - See FAQ below
Courtesy Pay and Courtesy Pay Plus*
IMPORTANT UPDATES TO OUR OVERDRAFT SERVICES PROGRAM:
Courtesy Pay and Courtesy Pay Plus
As part of CSB’s conversion, we are updating the way our current Courtesy Pay and Courtesy Pay Plus overdraft service program works, including internal overdraft coverage limits.
Courtesy Pay generally applies to checks, automatic bill payments/ACH payments, online Bill Pay transactions, and recurring debit card transactions.
Courtesy Pay Plus (for consumer accounts only) applies to ATM and everyday debit card transactions when you choose to opt-in to this service.
Courtesy Pay and Courtesy Pay Plus use internal criteria to determine the amount of overdraft coverage that may be available. Those internal limits are changing. As a result, you may notice a difference in how much your account may be overdrawn before items are declined.
If you are currently enrolled in Courtesy Pay, you will automatically remain enrolled when these changes take effect. No action is required to continue coverage. For consumer accounts only, Federal law requires your consent before we may charge overdraft fees for ATM and everyday debit card transactions. If you have previously provided consent to opt-in to Courtesy Pay Plus for ATM and everyday debit card transactions, that election will carry over unless you choose to change it. As a reminder, overdraft coverage is discretionary and not guaranteed which means CSB may decline to pay an item.
Participation in Courtesy Pay and Courtesy Pay Plus is optional. If you do not wish to continue overdraft coverage under the updated program, you may unenroll or change your Regulation E election at any time by contacting us. Community State Bank offers additional overdraft protection plans, such as a link to another CSB deposit account (Courtesy Transfer) and Courtesy Line of Credit 1 overdraft protection, which may be less expensive than our standard practices. Courtesy Line of Credit will be available October 5, 2026.
*Must apply with a bank representative. Subject to credit approval.
We will use the Current Balance (also known as your end of day balance) of your account to determine whether your account is overdrawn, that is, whether you have enough funds in your account to pay transactions that are presented for payment. Your Current Balance does not include any pending transactions that have not settled against the account.
- Deposits and credits post first.
- Withdrawals post next in this specific sequence:
- A. Pay First items (cash/checks for cash): By check number (lowest first), then by amount (lowest to highest)
- B. ATM withdrawals: By amount (lowest to highest)
- C. One-time POS transactions: By type, then by amount (lowest to highest)
- D. Recurring POS transactions: By amount (lowest to highest)
- E. Internal loan payments: By amount (lowest to highest)
- F. ACH withdrawals: By amount (lowest to highest)
- G. Checks: By check number (lowest first)