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Chelsea State Bank offers you the ability to accept contactless payments, making it yet another way we strive to simplify banking for our customers!
Offering 3 simple ways for you to accept payments without any additional hardware.
Hardware Free
Automatically Reconcile Payments
Accept Payments, Effortlessly
Funds settle next business day to the selected account, providing fast, reliable access to revenue. Available for card networks including Visa, MasterCard, American Express, & Discover. Fees apply and are subject to change at any time. Coming soon for Treasury Management Customers.
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 Balance | Minimum Deposit to Open Account | Interest Rate* | APY** |
|---|---|---|---|
| $0.00 | $0.00 | 0.00% | 0.00% |
No monthly minimum balance. 50 free transactions per month, $.50 fee for each additional transaction/item thereafter. $2.00 per month fee for paper statements. Rates Effective as of November 24th, 2025. 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 Balance | Minimum Deposit to Open Account | Interest Rate* | APY** |
|---|---|---|---|
| $0.00 | $0.00 | 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 November 24th, 2025. 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
$1 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 Balance | Minimum Deposit to Open Account | Interest Rate* | APY** |
|---|---|---|---|
| $1 | $1.00 | 0.25% | 0.25% |
50 complimentary debit transactions (including check, ACH, and debit card transactions), with a fee of $.20 for each thereafter. Rates Effective as of November 24th, 2025. 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.
“It’s been a great fit for us. They really try hard to be a community bank and they understand what that means to smaller businesses.”
-Steve Brouwer
With our previous bank, every loan had to go in front of a board, and with Chelsea State Bank, it has worked out much, much better! Lewis Jewelers started over 100 years ago, Chelsea State Bank started over 125 years ago, and I think that's very important.
David Lewis, President, Lewis Jewelers
With our exciting expansion in less than two years we found it very difficult to navigate the traditional big banks for our lending needs. CSB came alongside us and with the help of the SBA, we're able to source critical funding for us to secure our next level of growth. Now, we will be able to serve even more clients in Chelsea and bring close to 50,000 visitors annually to our beautiful little town. Thank you, CSB for all you do and for championing the small businesses that so greatly need you.
Amy Collins, Collins on Main
Working with Chelsea State Bank has been a breath of fresh air. They took the time to get to know our business, our team and learn our story. We were desperately looking for a bank where we were not just numbers to them, we were job providers in the community and difference makers in our business space. The team at Chelsea State Bank took the time to understand why we do what we do and see our vision
Stuart Shulman, Chief Executive Officer, Synchronis Medical
Heydlauff's Appliances recently switched over to Chelsea State Bank's Payment Processing Services. It was a simple and smooth transition while not interrupting our day-to-day business. We love how CSB's merchant card system works. It's convenient and efficient. It has helped us save money every month. We highly recommend this product to any business.
Mark Heydlauff
