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AccountStar AccountStar Rewards AccountPrime AdvantageAll About U Student AccountGolden Customer Club
 

OPEN ACCOUNT

OPEN ACCOUNT

OPEN ACCOUNT

OPEN ACCOUNT
 
Overview

This checking account includes an extensive list of perks and no minimum balance

Earn a competitive rate of interest, ATM fee refunds and more with no minimum balance

Tiered rate structure allows you to earn a percentage of Wall Street Journal Prime depending on the average daily balance of the account

Free Student account with lots of benefits for ages 15-24

Financial, security, travel and entertainment, plus convenience benefits for those 50 and over with no monthly fee with a $100 minimum balance

Monthly Fee No monthly service charge* No monthly service charge

No monthly service charge with $10,000 minimum balance

No monthly service charge

No service charge with $100 minimum balance

Minimum Balance

$50 minimum deposit to open account $50 minimum deposit to open account $50 minimum deposit to open account $25 minimum deposit to open account $50 minimum deposit to open account
Checks
  • Unlimited check writing
  • First order of personalized checks free
  • Unlimited check writing
  • Unlimited check writing
  • No issue fee for Cashier's Checks
  • First order of personalized checks free
  • No issue fee for Cashier's Checks
  • Free personalized checks
Statement Options

Choose from eStatements (no charge) or paper statement* ($5.00 monthly fee) without images

eStatements with images[1]

Choose from eStatements or paper statements with images

eStatements with images (required)

Choose from eStatements or paper statements with images

Features
  • Debit Card
  • IDProtect®
    • Identity theft monitoring and resolution service¹ for you
    • Includes Credit File Monitoring, Credit Report, Identity Theft Expense Reimbursement Coverage² and Resolution Service
    • eClub Online
  • Tiered rate structure allows you to earn a competitive rate of interest on the average daily balance of the account[1]
  • Automatic refunds on all ATM fees nationwide[1]
  • Debit Card
  • Tiered rate structure allows you to earn a percentage of Wall Street Journal Prime depending on the average daily balance of the account
  • $10,000 Accidental Death & Dismemberment Insurance[1]
  • Debit Card
  • $25 Signing Bonus with eStatement enrollment[1]
  • Refunds for up to 5 fees per year[2]
  • ATM fee refunds up to 20 bucks[3]
  • Email and text alerts[4]
  • Debit Card
  • Link to parent's account

Financial Benefits:

  • Earn interest with $1,000 minimum average daily balance
  • Debit Card

Security Benefits:

  • $100,000 Common Carrier Accidental Death & Dismemberment Insurance[1]
  • Credit Card registration
  • Key Ring Return
  • Buyer's Protection & Extended Warranty

Travel & Entertainment Benefits:

Convenience Benefits:

  • Internet access of benefits
Disclosures

 

* There is no monthly service charge for your Star Account. However, beginning December 1, 2021, a paper statement fee of $5.00 will apply monthly if you are not enrolled in eStatements.

[1] Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

[2] Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.  

[1] Rate subject to change after the account is opened. The following requirements must be met in order to earn the Star Rewards current rate: 1) ten (10) debit card transactions per qualification cycle (point of sale only), transactions must be posted and settled to account, 2) one (1) direct deposit or ACH per qualification cycle, 3) must receive only electronic statements. A qualification cycle for Star Rewards account is the period beginning one day prior to the current statement through one day prior to the close of the current statement. All domestic ATM fees are refunded at end of statement cycle if monthly account requirements are met. Fees could reduce earnings on the account. If you do not meet the requirements to earn the Star Rewards Rate per cycle, your account will still earn the minimum APY; however, it will not receive ATM refunds for that time period.

[1] Not FDIC insured - may lose value - not a deposit - no bank guarantee - not insured by any government agency

 

 

[1] Limited time offer. Must deposit $25 to open account. One $25 bonus per account. If qualifications are met, the $25 bonus will be paid on the 30th calendar day after account opening. If this is not a business day, the bonus will be paid on the next business day. To receive the bonus, your account must remain open for 30 calendar days, the account must not be overdrawn within the first 30 days, and you must be enrolled in eStatements. The value of the bonus will be reported as interest income for IRS purposes, and the customer is responsible for any taxes. No requirement to maintain a minimum balance. Overdraft/Returned Item Fees may apply.

[2] Maximum of 5 fees refunded per calendar year by request. Only valid on All About U account.

[3] CB&S Bank does not charge a fee for ATM withdrawals and refunds up to $20 in other banks' ATM usage fees per statement cycle upon customer request. Only valid on All About U account.

[4] Charges and fees may apply from your cellular and/or internet service provider. Contact your service providers for information.

[1] Not FDIC insured - may lose value - not a deposit - no bank guarantee - not insured by any federal government agency

  1. Personal

    1. Personal Banking
      1. Personal Accounts
        1. Personal Account Comparison
        2. Star Account
        3. Star Rewards Account
        4. Prime Advantage
        5. All About U Student Account
        6. Golden Customer Club
      2. Personal Savings
        1. Savings Account Comparison
        2. Star Savings
        3. Star Rewards Savings
        4. Super Star Savers Club
        5. Christmas Club Savings
        6. Vacation Club Savings
        7. Insured Money Fund
        8. Certificates of Deposit (CDs)
        9. Individual Retirement Account (IRAs)
      3. Debit Cards
      4. Safe Deposit Boxes
    2. Personal Borrowing
      1. Home Loans
      2. Personal Loans
      3. Auto Loans
      4. ScoreCard Rewards Credit Card
    3. Account Tools & Resources
      1. Personal Financial Insights
      2. Personal Financial Calculators
      3. ID Protection
      4. Access Line
      5. Reorder Checks
      6. Report Lost/Stolen Card
      7. Download a Switch Kit
  2. Business

    1. Business Banking
      1. Business Checking
        1. Business Checking Account Comparison
        2. Free Business Checking
        3. Business Select Checking
        4. Business Analysis Checking
        5. Business Interest Checking
        6. Business Prime Advantage
        7. Insured Money Fund
        8. Workplace Advantage Checking (For Your Employees)
      2. Business Savings
        1. Business Savings Accounts
        2. Simplified Employee Pension (SEP) Account
        3. Business Advantage Money Market
      3. Business Mobile Banking
      4. Business Debit Cards
      5. Treasury Management
        1. Treasury Management Services
      6. Merchant Services
    2.  Business Borrowing
      1. Small Business Loans
      2. Commercial Loans
      3. Commercial Real Estate Loans
      4. Credit Cards
    3. Account Tools & Resources
      1. Business Financial Insights
    4. Business Financial Calculators
      1. Capital Calculator
      2. Cash Flow Calculator
      3. Commercial Loan Calculator
      4. Debt Service Calculator
      5. Ratios Calculator
  3. Digital Banking

    1. Personal Digital Banking
      1. Mobile Banking
      2. Mobile Deposit
      3. Internet Banking
      4. Internet Bill Pay
      5. Zelle
      6. eStatements
      7. Mobile Wallet
      8. Make a Loan Payment
    2. Business Digital Banking
      1. Mobile Banking
      2. Treasury Management Internet Banking
      3. Business Express Deposit
  4. Home Loans

    1. Home Loan Options
      1. Apply For A Home Loan
    2. Meet Our Mortgage Team
      1. Scott Pride
      2. Charlotte Loines
      3. Alana Beaugez
      4. Derona Wilson
      5. Blake Bendall
    3. Mortgage Tools & Resources
      1. Home Loan Insights
      2. Home Loan Toolkit
      3. Home Loan Glossary & FAQ
      4. Loan Calculator
      5. NMLS Registry
  5. Financial Services

    1. Insurance
    2. Personal Investments
      1. Meet Our Team
  6. About Us

    1. Our Story & History
    2. Locations & Hours
      1. Adamsville
      2. Ardmore
      3. Birmingham Doug Baker
      4. Birmingham Shades Creek
      5. Bolivar
      6. Cherokee
      7. Clarksdale
      8. Corinth Alcorn Dr
      9. Corinth Harper Rd
      10. Cornersville
      11. Decatur 6th Ave
      12. Decatur Beltline Rd
      13. Eupora
      14. Fayetteville
      15. Florence Downtown
      16. Florence Hough Rd
      17. Greenville Downtown
      18. Greenville Highway 1
      19. Greenwood Downtown
      20. Greenwood Park Ave
      21. Hodges
      22. Hohenwald 
      23. Huntsville Downtown
      24. Huntsville Hampton Cove
      25. Huntsville Perimeter Park
      26. Killen
      27. Lewisburg
      28. Madison
      29. Main Office
      30. Moulton
      31. Murfreesboro Church St
      32. Murfreesboro Cason Lane
      33. Muscle Shoals
      34. North Russellville
      35. Parsons Main St
      36. Phil Campbell
      37. Pike Road
      38. Pulaski
      39. Red Bay
      40. Ripley
      41. Savannah Main St
      42. Russellville Franklin Plaza
      43. Savannah Water St
      44. Scotts Hill
      45. Selmer 
      46. Starkville
      47. Sturgis
      48. Tallassee Gilmer Ave
      49. Tallassee Main St
      50. Town Creek
      51. Tuscaloosa
      52. Tupelo Main St
      53. Walnut
      54. Wetumpka
      55. Whiteville
    3. Contact Us
    4. Career Opportunities
    5. Privacy Notice
    6. Mobile Privacy Policy
    7. Privacy & Security
    8. Terms & Conditions
    9. Disclosures
  7. Education Center


    1. Personal Financial Insights
    2. Business Financial Insights
    3. Home Loan Insights
    4. Home Loan Toolkit
    5. Home Loan Glossary & FAQ
    6. Product Video Demos
    7. Financial Calculators
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