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1.
What is the FDIC insurance amount?
2.
What kind of Accounts does CSB have?
3. How do I sign
up for OnLine Banking?
4. How can I find the
current Interest Rate for CD’s?
5. What is APY?
6.
How do I get a copy of a check or deposit ticket?
7. When will I get an
ATM or Visa Check Card? And how much will it cost?
8. What do you mean
by surcharge-free?
9. How is a Debit card different from an ATM
card? And how do I know what I have?
10. I just received my new VISA Check Card
in the mail, why is my card number different than my husband’s?
11. How do I change my PIN?
12. Do you offer business debit cards
13. What is APR?
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1.
What is the FDIC insurance amount?
On May 20, 2009, President Barack Obama signed the Helping Families
Save Their Homes Act, which extends the temporary increase in
the standard maximum deposit insurance amount (SMDIA) to $250,000
per depositor through December 31, 2013. This extension of the
temporary $250,000 coverage limit became effective immediately
upon the President's signature. The legislation provides that
the SMDIA will return to $100,000 on January 1, 2014.
Please click
on the link below to determine your FDIC coverage amounts.
https://www.fdic.gov/edie/index.html
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2.
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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3.
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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4.
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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5.
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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6.
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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7.
When will I get an ATM or Visa Check Card? And how much will it
cost?
a. Card applications may be obtained at both banking facilities.
Both cards will be mailed to you. They should arrive at the same
address your statements are mailed to in 5-7 days. The PIN will
be mailed separately. Be advised the PIN mailer will look like junk
mail, please do not discard it. You must have your pre-assigned
PIN in order to change your PIN.
b. There is no charge to obtain an ATM or Visa Check Card, but you
may be charged a fee if your ATM card is lost.
!
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8.
What do you mean by surcharge-free?
Typically banks impose surcharges to use their ATM(s); if you use
a TransFund or Money Pass ATM you will not receive a surcharge fee.
CSB will still charge $.50 per balance inquiry & $1.00 per withdrawal
at machines not owned by CSB.
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9.
How is a Debit card different from an ATM card? And how do I know
what I have?
a. An ATM card can only be used at ATM machines 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.
b. ATM cards are gray in color. They have your name & an expiration
date imprinted on the front. Debit cards are burgundy colored. They
have your name, expiration date & VISA symbol imprinted on the
front.
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10.
I just received my new VISA Check Card in the mail, why is my card
number different than my husband’s?
With our new VISA Check Cards, each cardholder will
have a different card number & different PIN number. This will
allow better service in the event of lost/stolen cards. Both cards
will no longer be hot carded, only the card affected will be hot
carded/deleted. All maintenance will be performed separately.
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11.
How do I change my PIN?
Wait
until you receive your PIN thru the mail & call the toll-free
number provided.
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12.
Do you offer business debit cards?
Yes.
A business check card gives businesses the capability to authorize
certain employees to access a check card in the businesses’
name. No ATM withdrawals are allowed with business check cards.
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13. 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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