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AccountAll About U Student CheckingStar Rewards CheckingeCheckingFree CheckingInterest CheckingPrime AdvantagePremium CheckingPlatinum CheckingGolden Customer ClubGolden Customer Club PlusInsured Money Fund
Overview

Free Student Checking account with lots of benefits for ages 15-25

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

Enjoy all the conveniences of CB&S Bank's eChecking account.  This account provides you the basic tools to help make your digital banking experience easy!

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

Earn a competitive interest rate and avoid a monthly service charge with a $1,000 minimum balance

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

Enjoy a variety of useful benefits, including insurance and identity protection, for just a small monthly fee

Packed with financial, security, travel and entertainment, health and convenience benefits for a low monthly fee

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

For those 50 and over, this account has all of the benefits of the Golden Customer Club plus additional benefits for a low monthly fee

Earn a variable rate of interest on an average daily balance of $1,000 or more. A tiered rate structure allows you to earn even more with a higher balance

Monthly Fee None None

None

 None

None with $1,000 minimum balance

None with $10,000 minimum balance

$4.97

$7.97

None with $100 minimum balance

$4.97

None with $2,500 minimum balance

Minimum Balance

$50 minimum balance to open account $25 minimum balance to open account $50 minimum balance to open account $50 minimum balance to open account $50 minimum balance to open account $50 minimum balance to open account None $50 minimum balance to open account[3] $50 minimum balance to open account $50 minimum balance to open account $50 minimum balance to open account
Checks
  • First order of personalized checks are free
  • Unlimited check writing
  • N/A
  • Unlimited check writing
  • First order of personalized checks are free
  • Unlimited check writing 
  • Unlimited check writing
  • No issue fee for Cashier's Checks
  • Unlimited check writing
  • Free personalized checks
  • Unlimited check writing
  • Free personalized checks
  • No issue fee for Cashier's Checks
  • Free personalized checks
  • No issue fee for Cashier's Checks
  • Free personalized checks
  • No issue fee for Cashier's Checks
N/A
Statement Options

eStatements with images (required)

eStatements with images

eStatements required¹

Choose from eStatements or paper statements without images

Choose from eStatements or paper statements with images

Choose from eStatements or paper statements with images

Choose from eStatements or paper statements with images

Choose from eStatements or paper statements with images

Choose from eStatements or paper statements with images

Choose from eStatements or paper statements with images

Choose from eStatements or paper statements with images

Features
  • Debit Card
  • ATM fee refunds up to 20 bucks [1]
  • Refunds up to 5 fees per year [2]
  • $25 Signing Bonus with eStatement Enrollment [3]
  • Free Internet Banking, Mobile Banking, and Bill Pay [4]
  • Email and text alerts [4]
  • Debit Card
  • 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]
  • Free Internet Banking, Mobile Banking, and Bill Pay [2]
  • Debit Card
  • Free Internet Banking, Mobile Banking, and Bill Pay²
  • Debit Card
  • Free Internet Banking, Mobile Banking, and Bill Pay [1]
  • Debit Card
  • Earn a competitive rate of interest
  • Interest calculated on average daily balance
  • Free Internet Banking, Mobile Banking, and Bill Pay [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
  • Free Internet Banking, Mobile Banking, and Bill Pay [1]
  • $10,000 Accidental Death & Dismemberment Insurance [2]
  • Debit Card
  • Credit Card Registration
  • Free Internet Banking, Mobile Banking, and Bill Pay [1]
  • Buyer's Protection & Extended Warranty
  • Key Ring Return
  • $10,000 Accidental Death & Dismemberment Insurance [2]
  • $10,000 Identity Protection
  • Household Inventory Ledger
  • Preferred Hotel Savings Guide
  • eClub Online
  • Theme Park & Movie Tickets
  • Rental Car Discounts

Financial Benefits:

  • Debit Card
  • 50% discount on first year's safe deposit box rental
  • Free Internet Banking, Mobile Banking, and Bill Pay [1]

Security Benefits:

  • $20,000 Accidental Death & Dismemberment Insurance [2] & $10,000 for Spouse [3], Plus $2,500 Dependent Child Coverage [2]
  • Buyer's Protection & Extended Warranty
  • Key Ring Return
  • $10,000 Identity Protection
  • Credit Card Registration
  • Household Inventory Ledger
  • KidCare ID

Travel & Entertainment Benefits:

  • Preferred Hotel Savings Guide
  • eClub Online
  • Theme Park & Movie Tickets
  • Rental Car Discounts

Health Benefits:

  • Walk-in Pharmacy Card
  • Eyecare & EyeWear Discounts

Convenience Benefits:

  • Internet access of benefits

Financial Benefits:

  • Debit Card
  • Earn interest with $1,000 minimum average daily balance
  • Free Internet Banking, Mobile Banking, and Bill Pay [1]

Security Benefits:

  • Credit Card Registration
  • Buyer's Protection & Extended Warranty
  • Key Ring Return
  • $100,000 Common Carrier Accidental Death & Dismemberment Insurance [2]

Travel & Entertainment Benefits:

  • Preferred Hotel Savings Guide
  • eClub Online

Convenience Benefits:

  • Internet access of benefits

Receive all of the benefits in the Golden Customer Account, plus these added benefits:

Financial Benefits:

  • Earn a competitive rate of interest
  • Discount on safe deposit box rental

Security Benefits:

  • $10,000 Accidental Death & Dismemberment Insurance [1]
  • $10,000 Identity Protection
  • Common Carrier Accidental Death & Dismemberment Insurance Increases to $150,000 [1]
  • 5% Seat Belt Coverage
  • $1,000 Grandchild Coverage

Travel & Entertainment Benefits:

  • Personal Trip Routing

Health Benefits:

  • Emergency Medical ID
  • Walk-in Pharmacy Card
  • Eyecare & EyeWear Discounts

Convenience Benefits:

  • Internet access of benefits
 
  • Debit Card
  • Free Internet Banking, Mobile Banking, and Bill Pay [1]
  • Earn a variable rate of interest when average daily balance is $1,000 or more
  • Tiered rate structure allows you to earn more interest depending on the balance of the account
  • Unlimited ATM withdrawals
  • Unlimited Deposits
  • Limited to 6 withdrawals or transfers per month
  • No limit to inside bank transactions
Disclosures

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

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

[3] Limited time offer. Must deposit $25 to open account. One $25 bonus per account. 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.

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

[1] Monthly requirements to earn Star Rewards rate include: (A) One direct deposit or draft per qualification cycle. (Qualification cycle- period beginning one day prior to the current statement through one day prior to close of the current statement.) (B) Minimum of 10 debit/check card transactions (POS only). (C) Receipt of electronic statement monthly. 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.

[2] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

[1] Internet Banking is required to receive eStatements.  Paper statements are not allowed on this account.

[2] Charges and fees may apply from your cellular service provider.  Contact your service provider for information.

[1] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

[1] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

[1] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

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

[1] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

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

[3] Coverage increases to $30,000 if no spouse

[1] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

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

 

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

[1] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

[1] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

  1. Personal

    1. Personal Banking
      1. Personal Checking
        1. Personal Checking Account Comparison
        2. Free Checking
        3. Star Rewards Checking
        4. Premium Checking
        5. Interest Checking
        6. Prime Advantage
        7. Platinum Checking
        8. All About U Student Checking
        9. Golden Customer Club
        10. Golden Customer Club Plus
        11. Insured Money Fund
      2. Personal Savings
        1. Savings Account Comparison
        2. Statement Savings
        3. Super Star Savers Club
        4. Christmas Club Savings
        5. Vacation Club Savings
        6. Certificates of Deposit (CDs)
        7. 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 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. PopMoney
      6. eStatements
    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. Alana Beaugez
      2. Anita Whitaker
      3. Scott Pride
      4. Dean Smith
    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
      4. Bolivar
      5. Cherokee
      6. Clarksdale DeSoto Ave
      7. Clarksdale Downtown
      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 East Main St
      23. Hohenwald West Main St
      24. Huntsville Downtown
      25. Huntsville Hampton Cove
      26. Huntsville Perimeter Park
      27. Huntsville University Dr
      28. Killen
      29. Lewisburg
      30. Lexington
      31. Madison
      32. Main Office
      33. Moulton
      34. Murfreesboro
      35. Muscle Shoals
      36. North Russellville
      37. Parsons Main St
      38. Phil Campbell
      39. Pulaski
      40. Red Bay
      41. Ripley
      42. Savannah Main St
      43. Russellville Franklin Plaza
      44. Savannah Water St
      45. Savannah Wayne Rd
      46. Scotts Hill
      47. Selmer Court Ave
      48. Selmer Mulberry Ave
      49. Starkville
      50. Sturgis
      51. Town Creek
      52. Tupelo Gloster St
      53. Tupelo Main St
      54. Walnut
      55. Whiteville
    3. Contact Us
    4. Career Opportunities
    5. Privacy & Security
    6. Terms & Conditions
    7. 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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