Personal Checking

	Simply Free Checking¹	Regular Checking²	CSB Interest Checking³
Best Account For:	First-time account holders and those who do not want to manage a monthly minimum balance	Individuals who will maintain a higher monthly balance and desire additional banking services	Those looking to earn competitive interest to boost their balances and anticipate on maintaining larger monthly balances
Initial Deposit to Open Account:	$1	$1	$1
Minimum Balance:	No Minimum Balance	$300	$1,000
Complimentary Debit Card⁴:	[y]	[y]	[y]
Complimentary Online Banking⁵:	[y]	[y]	[y]
Online Check Images:	[y]	[y]	[y]
Mobile Check Deposit:	[y]	[y]	[y]
Peer-to-Peer Payments⁶:	[y]	[y]	[y]
Rapid Transfers⁷:	[y]	[y]	[y]
Complimentary Credit Score Monitoring⁸:	[y]	[y]	[y]
Automated Savings⁹:	[y]	[y]	[y]
Complimentary Access to 55,000+ ATMs Worldwide through Allpoint ATM Network:	[y]	[y]	[y]

Simply Free Checking: No minimum balance requirements. Estatements required. ↩︎
CSB Regular Checking: $3 per month when balance falls below $300. Waived for senior citizens or monthly ACH credit. ↩︎
$10 monthly fee when balance falls below $1,000 during the month. ↩︎
Subject to credit approval. ↩︎
Third-party fees may apply. ↩︎
Peer-to-Peer Payments are available via Zelle.
^* To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
* Mobile network carrier fees, Third party fees and Excessive Transaction Fees may apply. ** Must have a bank account in the U.S. to use Zelle®. *** Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. **** To send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. MEMBER FDIC Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. ↩︎
Fees apply & are subject to change. ↩︎
Credit Score Monitoring available to online banking customers through SavvyMoney – customer must sign up for this service through online banking. ↩︎
Automated Savings through Plinqit: Chelsea State Bank has partnered with Plinqit to offer this application and service to our community. You do not have to be a customer of Chelsea State Bank to use Plinqit. When you sign up for Plinqit you may receive email and promotional communications from Chelsea State Bank which you can opt-out of at any time.
Plinqit is owned by HMDA Holdings Dexter Michigan. All funds held within Plinqit are FDIC insured. ↩︎

Stylized checkbook with a crossed out dollar sign

Simply Free Checking

Quick and convenient access to your money through a debit card, online banking+ or ATMs. A straightforward account with no hidden fees or complicated terms, providing a positive banking experience with the flexibility you need for your day-to-day transactions without complexities

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No Monthly Maintenance Fees

No Minimum Balance Requirement

$1 to Open your Account

Minimum Deposit to Open Account	Minimum Balance to Earn APY	Interest Rate*	APY**
$1	$0.00	0.00%	0.00%

No minimum balance requirements. Estatements required. *Rates Effective as of April 21st, 2026. New rates may apply for subsequent dates, the rate may change after the account is opened, and fees may reduce the earnings on the account. **Annual Percentage Yield (APY).

CSB Regular Checking

Discover financial ease with our Regular Checking Account – designed for practicality, accessibility, and seamless transactions.

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Peer-to-Peer Payments Available

Complimentary Debit Card*

Online Banking**

*Debit cards are subject to credit approval. **Third-party fees may apply

Minimum Deposit to Open Account	Minimum Balance to Earn APY	Interest Rate*	APY**
$1	$0	0.00%	0.00%

$3 per month when balance falls below $300. Waived for senior citizens or monthly ACH credit. *Rates Effective as of April 21st, 2026. New rates may apply for subsequent dates, the rate may change after the account is opened, and fees may reduce the earnings on the account. **Annual Percentage Yield (APY).

CSB Interest Checking

Watch your balance grow with competitive interest earnings. Manage your money with free online banking, mobile banking, and more.

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Competitive Interest

Peer-to-Peer Payments Available

Overdraft Protection Available

Minimum Deposit to Open Account	Minimum Balance to Earn APY	Interest Rate*	APY**
$1.00	$1.00	0.25%	0.25%

$10 monthly fee when balance falls below $1,000 during the month. *Rates Effective as of April 21st, 2026. New rates may apply for subsequent dates, the rate may change after the account is opened, and fees may reduce the earnings on the account. **Annual Percentage Yield (APY).