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Checking Accounts

Personal Checking Accounts

All About U Student Checking

  • $25 Signing Bonus [1]
  • Students age 15 - 24
  • No monthly service charge
  • Free Internet Banking
  • Free Mobile Banking [2]
  • Free Bill Pay
  • Email and text alerts [2]
  • ATM/Check Card
  • ATM fee refunds up to 20 bucks [3]
  • Refunds up to 5 fees per year [4]
  • E-statements
  • First order of personalized checks free

[1] No minimum balance required. Minimum $25 to open account. One $25 deposit per account at account opening. Customer is responsible for any taxes. [2] Charges and fees may apply from your cellular service provider. Contact your service provider for information. [3] 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 customer request. [4] Maximum of 5 fees refunded per calendar year by request.

Star Rewards Checking

  • Earn a competitive rate of interest [1]
  • Automatic refunds on all ATM fees nationwide [1]
  • No minimum balance required
  • Unlimited check writing
  • Free Internet Banking
  • Free Mobile Banking [2]
  • ATM/Check Card
  • Free Bill Pay

[1] No Minimum Balance Required. However you must deposit a minimum of $50 to open this account. To earn Star Rewards APY, perform the following each cycle: (a) Make at least 10 debit card transactions per qualification cycle (POS only). (b) Receive your monthly statement electronically. (c) 1 direct deposit or ACH per qualification cycle. (Qualification cycle period beginning one day prior to the current statement through one day prior to the close of the current statement). Available to Personal Accounts only. No monthly service charge. If you do not meet the requirements per cycle, your account will still function as a free checking account earning the Guaranteed APY, however, it will not receive ATM refunds for that time period. We may change the interest rate and APY at any time after the account is opened. Fees may reduce earnings. [2] Charges and fees may apply from your cellular service provider. Contact your service provider for information. 

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Free Checking

  • No minimum balance required
  • Unlimited check writing
  • Free Internet Banking
  • Free Mobile Banking [1]
  • ATM/Check Card
  • Free Bill Pay
  • First order of personalized checks free

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

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Premium Checking

  • No minimum balance required
  • Unlimited check writing
  • Free Internet Banking
  • Free Personalized Checks
  • Free Mobile Banking [1]
  • ATM/Check Card
  • Free Bill Pay
  • $10,000 Accidental Death & Dismemberment Insurance [2]
  • $10,000 Identity Protection
  • Buyer’s Protection & Extended Warranty
  • Credit card registration
  • Key ring return
  • Household inventory ledger
  • Preferred Hotel Savings Guide
  • Theme park & movie tickets
  • Rental car discounts
  • MemberTravelSource.com

All For Only a $4.97 Monthly Service Charge

[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.

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Interest Checking

  • Earn a Competitive Rate of Interest
  • No monthly service charge if $1,000 minimum balance maintained
  • Interest calculated on average daily collected balance
  • Unlimited check writing
  • Free Internet Banking
  • Free Mobile Banking [1]
  • ATM/Check Card
  • Free Bill Pay

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

You may also add the Premium Package to your Interest Checking for a low monthly service charge of $4.97.

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Prime Advantage

  • Tiered rate structure allows you to earn a percentage of Wall Street Journal Prime depending on the balance of the account
  • No monthly service charge if $10,000 minimum balance maintained
  • $10,000 Accidental Death & Dismemberment Insurance [1]
  • Unlimited check writing
  • No issue fee for Cashier's Checks
  • ATM/Check Card
  • Free Internet Banking
  • Free Mobile Banking [2]
  • Free Bill Pay

You may also add the Premium Package to your Prime Advantage Checking Account for a low monthly service charge of $4.97.

[1] Not FDIC insured - may lose value - not a deposit - no bank guarantee - not insured by any federal government agency.Charges and fees may apply from your cellular service provider. Contact your service provider for information. [2] Charges and fees may apply from your cellular service provider. Contact your service provider for information.

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Platinum Checking

Financial Benefits

  • No minimum balance required
  • Unlimited check writing
  • Free Internet Banking
  • Free Mobile Banking [1]
  • Free Bill Pay
  • ATM/Check Card
  • No issue fee for Cashier's Checks
  • 50% discount on first year’s safe deposit box rental
  • Free Personalized Checks

Security Benefits

  • $20,000 Accidental Death & Dismemberment Insurance [2] & $10,000 for Spouse [3]
    Plus $2,500 Dependent Child Coverage [2]
  • $10,000 Identity Protection
  • Credit card registration
  • Key ring return
  • KidCare ID
  • Buyer’s Protection & Extended Warranty
  • Household inventory ledger

Travel & Entertainment Benefits

  • Preferred Hotel Savings Guide
  • MemberTravelSource.com
  • Theme park & movie tickets
  • Rental car discounts

Health Benefits

  • Walk-in pharmacy card
  • EyeCard & EyeWear Discounts

Convenience Benefits

  • Internet access of benefits

All For Only a $7.97 Monthly Service Charge

[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.

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Golden Customer Club

(Over the age of 50)

Financial Benefits

  • No service charge if $100 minimum balance maintained
  • Earn interest with $1,000 minimum balance
  • No issue fee for Cashier's Checks
  • Free Bill Pay
  • Free Internet Banking
  • Free Mobile Banking [1]
  • ATM/Check Card
  • Free Personalized Checks

Security Benefits

  • $100,000 Common Carrier Accidental Death & Dismemberment Insurance [2]
  • Credit card registration
  • Key ring return
  • Buyer’s Protection & Extended Warranty

Travel & Entertainment Benefits

  • Preferred Hotel Savings Guide
  • MemberTravelSource.com

Convenience Benefits

  • Internet access of benefits

[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.

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Golden Customer Club Plus

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

Financial Benefits

  • No minimum balance required
  • Earn a competitive rate of interest
  • Discount on safe deposit box rental
  • ATM/Check Card
  • Free Bill Pay

Security Benefits

  • $10,000 Accidental Death & Dismemberment Insurance [1]
  • Common Carrier Accidental Death & Dismemberment Insurance Increases to $150,000 [1]
  • $10,000 Identity Protection
  • 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

All For Only a $4.97 Monthly Service Charge

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

Insured Money Fund

  • Earn a variable rate of interest when average daily collected balance is $1,000 or more
  • No monthly service charge if $2,500 minimum balance maintained
  • Unlimited ATM withdrawals
  • Unlimited deposits
  • ATM/Check Card
  • Free Internet Banking
  • Free Mobile Banking [1]
  • Limited to 6 withdrawals or transfers per month
  • No limit to inside bank transactions

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

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