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1. What kind of Accounts does CSB have?
2. How do I sign up for OnLine Banking?
3. How can I find the current Interest Rate for CD’s?
4. How do I get a copy of a check or deposit ticket?
5. How can I provide proof of payment with the new check imaging?
6. What is APY?
7. When will I get an ATM card and how much will it cost?
8. How is a Debit card different from an ATM card? How do I know what I have?

9. What is APR?
10. How do I go about purchasing Savings Bonds?
11. How do I purchase Savings Bonds for education?
12. How can I protect myself from Identity Theft?
13.What if my identity has been compromised?
14.What are the benefits of being a Diamond Club Member and how do I qualify?


1. What kind of Accounts does CSB have?

We offer a variety of accounts, including checking, savings, money market and certificates of deposit. Our checking account customers may select from regular, hometown or diamond club accounts. We have special accounts for senior citizens and students. Our new accounts representative will assist you to match your financial goals with the Community State Bank account that will work best for you.

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2. How do I sign up for OnLine Banking?
Customers must fill out and sign an application. This can be obtained by visiting one of our branches, calling 573-324-2233 or emailing info@c-s-b.com. You may also select the “Online Banking Application” option from our home page,
www.c-s-b.com, to print an application that you may deliver, mail, or fax to one of our offices.

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3. How can I find the current Interest Rate for CD’s?
They are available in the Online Banking site or you may call us at 573-324-2233 or call our 24 Hour Phone Banking at 573-324-2596 or 1-877-324-2596.

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4. How do I get a copy of a check or deposit ticket?
If you are an Online Banking customer an image of the check or deposit slip is available through the ‘Transactions’ option in NetTeller. Click the check number or ‘View Image’ option next to the date. Or you can call either branch at 573-324-2233 or 636-528-6088.

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5. How can I provide proof of payment with the new check imaging?
Call 573-324-2233 for a copy of your check or view your check image and print it through Online Banking.

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6. What is APY?
APY is Annual Percentage Yield. APY was developed to help consumers compare deposit accounts. Different terms have different APY’s. The different way interest is compounded affects the effective yield on the deposit. Therefore, APY helps to compare how much the account will effectively yield.

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7. When will I get an ATM card and how much will it cost?
You will generally receive your ATM card when opening your account with us at NO COST TO YOU!

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8. How is a Debit card different from an ATM card? And how do I know what I have?
An ATM card can be used at ATM machines only for cash withdrawals. Using a Debit Card takes the place of a traditional paper check allowing you to pay directly out of your account to a place of business such as restaurants, retail stores, or gas stations. Debit cards can also be used at ATM machines for cash withdrawals. ATM (only) cards are gray in color and do not have a name or expiration date on them. Debit cards contain your name, expiration date along with the Debit and MasterCard symbols.

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9. What is APR?
APR is Annual Percentage Rate. APR was developed to help consumers compare loan programs offered by different Lending Institutions. APR includes the interest rate plus other charges such as Private Mortgage Insurance payments, prepaid interest, origination fees and discount points to reflect the actual finance charges associated with a mortgage loan.

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10. How do I go about purchasing Savings Bonds?
Come into either one of our bank locations and we will assist you or go online at www.treasurydirect.gov. To buy a bond, an application is filled out and paid for. EE Bonds sell for half the face value, the smallest denomination is $50.00. I Bonds sell for face value also having a smallest denomination of $50. It is important that you have a social security number. You will receive a receipt and your bond will be mailed directly to you within 7 to 10 days.

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11. How do I purchase Savings Bonds for education?
Savings bonds for education must be purchased in the parents’ name & Social Security Number(s) to qualify to be tax exempt.

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12. How can I protect myself from Identity Theft?
To keep protect your private information you should take the following precautions:

  • Don’t print your Social Security Number on your checks.
  • Shred private documents
  • Safeguard PIN numbers and passwords
  • Don’t use obvious passwords
  • Check your credit annually
  • Don’t give your private information to anyone who solicits it (over the phone, email or otherwise)
  • If you go on vacation stop mail delivery temporarily
  • If you travel with a computer – put out your Do Not Disturb sign.
  • Don’t click on internet links in unsolicited emails.

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13.What if my identity has been compromised?
Contact the following immediately:

  • Local authorities
  • Your financial institution
  • Your credit card companies
  • The Federal Trade Commission at 1-877-438-4338
  • The major credit bureaus to place an alert on your account:
    • Equifax 1-800-525-6285
    • Experian 1-888-397-3742
    • Trans Union 1-866-653-4261

Request a copy of your credit report

14. What are the benefits of being a Diamond Club Member and how do I qualify?

If you are 55 or older and maintain total deposits of $5,000.00 or more at Community State Bank of Missouri you can open a Diamond Club Checking account and enjoy the following benefits:

  • Free Diamond Club Checks
  • Interest on Checking
  • No Fees on Travelers Checks, Cashiers Checks, Money Orders, Notary Services, Faxes or Photocopies
  • Special Group Trips throughout the year
  • Invitation to Annual Birthday Party Dinner

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