FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Personal
Personal
Checking
Personal
School Spirit
Personal
SavvyStudent
Personal
Savings
Personal
Credit Cards
Personal
Personal Loans and Credit
Personal
Home Loans
Personal
Account Services
Business
Checking
Business
Savings
Business
Business Credit Cards
Business
Business Loans
Business
Treasury Management
Business
Agriculture
Agriculture
Agriculture Loans
Agriculture
Agriculture Services
Investment Services
About Us
Personal Checking
Business Products
From small start-ups to large-scale corporations, from DBA to nonprofits, we've got banking solutions tailored to your unique business needs. Let's manage your financial growth together!
| Micro Business Advantage1 | Business Advantage2 | Business Plus3 | Business Interest4 | |
|---|---|---|---|---|
| Best Account For: | Businesses with few monthly transactions and low average balances | For mid-sized businesses | Businesses with higher monthly transaction volumes and larger average balances | Only available to: Sole-Proprietors, DBA’s, Non-Profit Organizations, & Governmental Units |
| Initial Deposit to Open Account | $100 | $100 | $100 | $100 |
| Minimum Balance | $1.00 | $5,000 | $25,000 | $1,000 |
| Transaction Limit | 50 | 150 | Unlimited | 50 |
| Contactless Payments5 | [y] | [y] | [y] | [y] |
| Complimentary Debit Card6 | [y] | [y] | [y] | [y] |
| Complimentary Online Banking7 | [y] | [y] | [y] | [y] |
| Online Bill Pay Availability8 | [y] | [y] | [y] | [y] |
| Online Check Images | [y] | [y] | [y] | [y] |
| Night Depository | [y] | [y] | [y] | [y] |
As a small business, you help keep our local economy thriving. Let us help you succeed with checking that helps you save.
Fraud Prevention Services Alert
Customize Account with Treasury Services
No Minimum Balance
| Minimum Deposit to Open Account | Minimum Balance to Earn APY | Interest Rate* | APY** |
|---|---|---|---|
| $100.00 | $0.00 | 0.00% | 0.00% |
No monthly minimum balance. 50 free debit transactions and 50 free credit transactions per month. $.50 fee for each additional transaction thereafter. $2.00 per month fee for paper statements. Rates Effective as of September 30th, 2026. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).
^ Bill pay fee is waived if used at least once per statement cycle, or $10 per month fee may apply
^^Third-party fees may apply
^^^Debit cards are subject to credit approval
Whether you’re managing payroll, vendor payments, or customer purchases, this account gives you the capacity and tools to operate efficiently.
High Transaction Limits*
Flexible Cash Management**
Seamless Integrations***
* $0.50 per debit transaction after the first 150 complimentary debit transactions and 150 complimentary credit transactions per month.
**Treasury Management Services available to add on as a TM Package, or customized a la carte, based on your business needs.
***Third-party fees may apply.
| Minimum Deposit to Open Account | Minimum Balance to Earn APY | Interest Rate* | APY** |
|---|---|---|---|
| $100.00 | $0.00 | 0.00% | 0.00% |
$10.00/month maintenance fee if balance falls below minimum balance. $0.50 per debit transaction after the first 150 complimentary debit transactions and 150 complimentary credit transactions per month. $2.00/month fee for paper statements. Rates Effective as of September 30th, 2026. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).
^ Bill pay fee is waived if used at least once per statement cycle, or $10 per month fee may apply
^^Third-party fees may apply
^^^Debit cards are subject to credit approval
Streamlined checking for your larger business. Keep operations smooth with our business services.
Fraud Prevention Services Alert
Customize Account with Treasury Services
Mobile Deposit*
*Third-party fees may apply
| Minimum Deposit to Open Account | Minimum Balance to Earn APY | Interest Rate* | APY** |
|---|---|---|---|
| $100 | $0 | 0.00% | 0.00% |
$15.00 per month maintenance fee if monthly average collected balance falls below $25,000. $2.00 per month fee for paper statements. Rates Effective as of September 30th, 2026. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).
Customize your account with add-on services and/or your choice of a Silver, Gold or Platinum Treasury Services Package
$100 minimum deposit to open
* Debit cards are subject to credit approval
** Bill pay fee is waived if used at least once per statement cycle, or $10 per month fee may apply
*** Third-party fees may apply
This account is designed for sole-proprietors, DBA’s, Non-profit Organizations, and Governmental Units. Maximize your business potential! Make your extra checking funds work for you and enjoy competitive interest earnings.
Earn Competitive Interest
Customize Account with Treasury Services
Digital Banking
| Minimum Deposit to Open Account | Minimum Balance to Earn APY | Interest Rate* | APY** |
|---|---|---|---|
| $100 | $1 | 0.15% | 0.15% |
$10 monthly fee when balance falls below $1,000 during the month. 50 complimentary debit transactions (including check, ACH, and debit card transactions), with a fee of $.20 for each thereafter. Rates Effective as of September 30th, 2026. New rates may apply for subsequent dates. *The rate may change after the account is opened and fees may reduce earnings on the account. **Annual Percentage Yield (APY).
* After first 50 complimentary debit transactions (including check, ACH, and debit card transactions), with a fee of $.20 for each thereafter.
** Debit cards are subject to credit approval
*** Third-party fees may apply
**** Bill pay fee is waived if used at least once per statement cycle, or $10 per month fee may apply.
How do I sign up to receive electronic tax forms from Chelsea State Bank?
Chelsea State Bank Customers (personal banking and business banking) can now sign up to receive electronic tax forms inside online banking (mobile app and desktop). Customers should review the information below and follow the instructions included in this communication. Please note, this must be completed before December 15.
Before you begin, things to consider include:
Personal Accounts & Small Business Accounts, follow these steps:
Mobile App (Chelsea State Bank Wallet)
Desktop – Sign into online banking from your desktop computer. Once signed in, you will see your dashboard. From there, please:
Treasury Management Accounts, follow these steps:
How long does it take for CSB to make a lending decision for business (commercial) loans?
Every situation is different although once we have all of the information needed for underwriting the applicant may expect a preliminary response within two-weeks. The process varies by loan request size and final processing can usually be completed within six-weeks. This requires approval by the bank’s loan committee or by its board of directors.
Does CSB participate in USDA and SBA assisted transactions?
A good place to start includes three-years business federal income tax return copies or CPA prepared financial statements for the company and three-years FIT returns for any individual that owns 20-percent or more of the company. We also ask for personal financial statement(s) for those > 20-percent owners and company accounts receivable, accounts payable and inventory listings. When you are starting a new enterprise (yes, we consider start-ups) we won’t expect historic company financials although well-explained 24 –month projections and a business plan will help. I send new entrepreneurs to the SBA’s website for business plan assistance and to the Michigan Small Business Development Center (michigansbdc.org).
