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Savings Account Comparison

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AccountStatement SavingsStar Rewards SavingseSavingsSuper Star Savers ClubChristmas Club SavingsVacation Club SavingsCertificates of Deposit
Overview

An easy savings plan can help you reach your short-term and long-term savings goals. Design your savings plan to fit your needs and start saving today.

Enjoy easy access to your money while maximizing your savings with a premium rate!  All you need to start is a Star Rewards checking account.  Visit us today and let CB&S Bank partner with you on your financial journey!

An easy savings plan can help you reach your short-term and long-term savings goals.  Design your savings plan to fit your needs and start saving today.

Start saving early. This account is perfect for those up to 17 [1] who know the value of an early start. At the age of 18, this account automatically converts to Statement Savings.

CB&S Bank's Christmas Club Savings Account can help you have a worry-free holiday season by saving all throughout the year. Saving a little each month adds up fast and makes the holiday shopping season less stressful and much more enjoyable.

CB&S Bank's Vacation Club Savings Account can help you save throughout the year for that much needed vacation. Save a little every month, and when it's time for your vacation, you'll be able to focus on the fun and not the finances.

CB&S Bank can structure a Certificate of Deposit to fit your individual needs. We offer competitive rates and flexible terms with maturities up to 60 months. Your money is safe and secure because all deposits are insured by the FDIC for the maximum allowed by law.

Monthly Fee

None with $50 minimum balance

 None

None with $50 minimum balance

None

 None [1]

None [1]

None [1]

Minimum Balance

No minimum opening deposit

Minimum Deposit of $50,000.00 to open a Star Rewards Savings account

$50 minimum to open account

Low minimum opening deposit of $25 is required

No minimum opening deposit No minimum opening deposit

Low minimum opening deposit of $1,000

Features
  • Three free withdrawals or transfers per month. Each additional withdrawal subject to service charge. Maintain $2,500 minimum balance to avoid charge
  • Pay yourself first by setting up automatic transfers (weekly, monthly, or whenever you like) from your CB&S Bank checking account to your CB&S Bank savings account
  • 2.02% APY on entire balance when $50,000 or more is maintained¹
  • All you need to start is a Star Rewards Checking Account (Click here for account details.) 
  • Three free withdrawals or transfers per month.  Each additional withdrawal subject to service charge.  Maintain $2,500 minimum balance to avoid charge.
  • Three free withdrawals or transfers per month ¹
  • Access your savings account information through Internet Banking and Mobile Banking
  • Three free withdrawals or transfers per month. Each additional withdrawal subject to service charge. Maintain $2,500 minimum balance to avoid charge
  • Receive a $5 birthday bonus deposited into your account on your birthday [2]
  • Receive a free t-shirt and Super Star Savers Membership Card"
  • Automatic transfers from your CB&S Bank checking account
  • Earn a competitive rate of interest that is paid annually
  • You'll receive your Christmas Club check just in time for the holiday season [2]
  • Automatic transfers from your CB&S Bank checking account
  • Earn a competitive rate of interest that is paid annually
  • You'll receive your Vacation Club check just in time for the vacation season [2]
  • Rates are fixed and guaranteed for the length of the term selected [1]
  • For your convenience, certificates may be automatically renewed upon maturity
Disclosures

A nominal fee is assessed monthly if the balance falls below $50.00

[1] 2.02% APY (Annual Percentage Yield) on entire balance when daily balance of $50,000.00 or more is maintained.  APY accurate as of April 2, 2018.  Minimum deposit of $50,000.00 to open a Star Rewards Savings account.  Fees may reduce earnings.  Rate subject to change after the account is opened.  The following requirements must be met in order to earn the 2.02% APY: 1) must receive only electronic statements, 2) must maintain $50,000.00 minimum balance in the account each day, 3) must have Star Rewards Checking account and meet qualifications of Star Rewards Checking², 4) guaranteed APY will be 0.25% if balance in the account falls below $50,000.00 or if Star Rewards checking qualifications are not met.

[2] Star Rewards checking requirements are: 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 checking is the period beginning one day prior to the current statement through one day prior to the close of the current statement.

[1] A fee will be charged for withdrawals/debits greater than three (3) per month.  The fee will not be charged if you maintain an average daily balance of $2,500 or more.  Please carefully read the eSavings Truth-in-Savings disclosure for information on withdrawal limitations to maintain a savings account.

[1] Adult must sign on account with minor.

[2] Account must be open for 90 days with an average balance of $25 or more to qualify for birthday bonus.

[1] Early withdrawal penalty.

[2] 10 day grace period for renewal after maturity.

[1] Early withdrawal penalty.

[2] 10 day grace period for renewal after maturity.

[1] Substantial penalty for early withdrawal

  1. Personal

    1. Personal Banking
      1. Personal Checking
        1. Personal Checking Account Comparison
        2. Free Checking
        3. Star Rewards Checking
        4. eChecking
        5. Premium Checking
        6. Interest Checking
        7. Prime Advantage
        8. Platinum Checking
        9. All About U Student Checking
        10. Golden Customer Club
        11. Golden Customer Club Plus
        12. Insured Money Fund
      2. Personal Savings
        1. Savings Account Comparison
        2. Statement Savings
        3. Star Rewards Savings
        4. eSavings
        5. Super Star Savers Club
        6. Christmas Club Savings
        7. Vacation Club Savings
        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
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        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
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        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
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      3. Internet Banking
      4. Internet Bill Pay
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      6. eStatements
    2. Business Digital Banking
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      2. Treasury Management Internet Banking
      3. Business Express Deposit
  4. Home Loans

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      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
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      4. Bolivar
      5. Cherokee
      6. Clarksdale Downtown
      7. Corinth Alcorn Dr
      8. Corinth Harper Rd
      9. Cornersville
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      11. Decatur Beltline Rd
      12. Eupora
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      14. Florence Downtown
      15. Florence Hough Rd
      16. Greenville Downtown
      17. Greenville Highway 1
      18. Greenwood Downtown
      19. Greenwood Park Ave
      20. Hodges
      21. Hohenwald West Main St
      22. Huntsville Downtown
      23. Huntsville Hampton Cove
      24. Huntsville Perimeter Park
      25. Huntsville University Dr
      26. Killen
      27. Lewisburg
      28. Madison
      29. Main Office
      30. Moulton
      31. Murfreesboro
      32. Muscle Shoals
      33. North Russellville
      34. Parsons Main St
      35. Phil Campbell
      36. Pulaski
      37. Red Bay
      38. Ripley
      39. Savannah Main St
      40. Russellville Franklin Plaza
      41. Savannah Water St
      42. Scotts Hill
      43. Selmer Mulberry Ave
      44. Starkville
      45. Sturgis
      46. Town Creek
      47. Tupelo Gloster St
      48. Tupelo Main St
      49. Walnut
      50. Whiteville
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