Frequently Asked Questions

At Community State Bank of Missouri, we’re always here to help you. Here are some of our most commonly asked questions. Have more? Contact us today or visit us at one of our two branch locations.


FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

Please click on the link below to determine your FDIC coverage amounts.

Customers must fill out and sign an application. This can be obtained by visiting one of our branches, calling 573-324-2233 or emailing You may also download and print our Electronic Banking Agreement, which you may deliver, mail, or fax to one of our offices.

You may call us for current rates at 573-324-2233 for Bowling Green or 636-528-6088 for Troy.

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.

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.

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 7-10 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 or Debit card is lost.

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.

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. School cards are debit cards which are in school colors.

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. Card applications may be obtained at both banking facilities.

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.

If you are already a registered online banking user you have the ability to take advantage of our Mobile Banking service. You can download our FREE app from your Apps Market from any Android or Apple device. All you have to do is search csb godough. Download and install the app to your device, and you’re all set!

Yes. The same username and password that you are currently using is also used to access your mobile banking.

No, you may only use self-reset with the web browser but you may change the password with the mobile app.

A web browser is a program that you use to access the internet from a desktop, laptop, or even your mobile device. Your most common web browsers are Internet Explorer, Safari, Mozilla Firefox, and Google Chrome.

Yes. You can pay bills and add new payees to your bill pay in the mobile app.

Yes. We offer health savings accounts for high deductible insurance premiums. Please be advised, customers must know whether they qualify for the account. Consult your employer or an attorney to learn if an HSA is right for you.