Your Guide to Our Commitment

Community Savings Bank
Your Guide to Our Commitment
Join Us in Building a Stronger Community. Together.
Table of Contents
Welcome1
FAQ4
Important
Information & Dates
Online Banking Solutions 6
2
What Do I Need to Know? 2
Your Accounts
2
Product Highlights
2
Notice of Account Change –
Accounts & Fees
3
Transaction Policies
9
Privacy Policy
10
Service Charge Menu
12
Locations & Hours
Back
Our History
Established in 1910 in Littleport, Iowa, Community Savings Bank moved its charter to
Edgewood and has remained locally owned and operated as it expanded to Dyersville,
Earlville, Greeley, Manchester, Cedar Rapids and Robins. In the last 105 years, assets
grew to over $370 million with $40 million in capital, and our staff includes more than
70 employees across eight branches. Like Garnavillo Savings Bank and its growth since
1904, this success was possible because we worked together with our communities to
provide innovative products and a high level of customer satisfaction. We look forward
to continuing to serve you through these same principles and philosophies.
Our Leadership
Left to right:
Steve Brady, Bill Robinson,
and Jackie Johnson.
Welcome to
Community Savings Bank!
We’re excited to be part of the community of Garnavillo! Community Savings Bank chose this
community and Garnavillo Savings Bank due to our shared goals and values. We are committed
to making this an easy and seamless transition.
The merger of Garnavillo Savings Bank with Community Savings Bank is a milestone in the
century-long histories of our institutions. Bringing these two solid, community-focused banks
together enables greater lending flexibility and financial strength. In addition, it
represents a tremendous opportunity for you to receive more services for less
than you are paying right now — along with the attentive service of the staff you
have worked with for years.
Why merge?
Both of our boards of directors believe that bringing these two banks
together will be better for the community and, most importantly, for
you. CSB offers a wider range of products, services and locations,
yet they share a philosophy and tradition of serving the needs of
communities in Northeast Iowa, where we all live and work.
That tradition was key in making the decision to merge.
Familiar Faces
Another key factor in the merger was maintaining highly capable staffing
and service. We’re proud to announce that you can count on seeing the
same friendly faces in the Garnavillo location. With decades of experience
catering to your needs, our staff will be there to address your questions
and fulfill your banking requests. Plus, you might meet a few new people
along the way!
New Products, Fewer Fees
With eight locations in Clayton, Delaware, Dubuque and Linn counties,
CSB offers a large portfolio of products for you to choose from. Most
customers will transition to our signature Simply Free Checking account,
which is truly simple and free. For advanced, secure e-banking solutions, you
may wish to try the convenient Online Bill Pay and Mobile Banking. Farmers
and small business owners now have the option to use Remote Deposit for
depositing checks. We also offer Agricultural Loans, Student Loans and in-house
Mortgage Loan servicing.
We encourage you to use this guide to learn important details about the merger
and how it affects your accounts. You may still have questions — if so, please contact a staff
member for answers as we work to make a smooth transition into Community Savings Bank.
Sincerely,
Bill Robinson
Vice President & Branch Manager
Steve Brady
President & CEO
1
Important Information & Dates
Important Dates
September 30, 2015
October 24, 2015
November 13, 2015
Official Merger of Garnavillo Savings
Bank into Community Savings Bank.
Community Savings Bank
Welcome Party
Current GSB online banking
customers – you will begin to receive
information about your new CSB
online banking account the week of
November 16, 2015. Currently, you
can continue using your GSB login at
www.csbiowa.com (look for Garnavillo
Customer Online Banking section).
Where:
Garnavillo Community Center
106 W. Niagara Street
(one block west of the bank)
Conversion of Garnavillo Savings Bank
accounts to Community Savings Bank
accounts will take place over the weekend.
When:
11 am - 2 pm
January 2016
During this month, new checks will be
issued and mailed to you.
Please join us for refreshments
to celebrate the merger!
What Do I Need to Know?
1.Your Garnavillo Savings Bank checks will be good through
June 30, 2016. Your new, FREE Community Savings Bank
checks will be sent after January 1, 2016.
2.Due to the routing number change, you will need to complete
new direct deposit forms or notification of change forms prior
to March 31, 2016. Notify your employer and other entities
(e.g., utilities, insurance, etc.) that make direct deposits or
withdrawals from your accounts. Ask one of our customer
service associates for these forms, and complete and return
them to the sources of your deposit(s) or withdrawal(s).
3.Hours will remain the same, and you can contact us via
www.csbiowa.com or 1-800-828-2318.
4.Familiar faces will
continue to serve your
banking needs with their
decades of experience.
5.Relax and enjoy the
benefits!
New Checking Account
Routing Number:
073914288
Effective Date:
November 16, 2015
Your Accounts
One of the many benefits of the merger is that your accounts will transition automatically into CSB products (see Accounts & Fees
on the next page). However, you may want to consider products that are new to you, such as Bill Pay and Mobile Banking. Be sure
to review our online and mobile banking options in the Online Banking Solutions section of this guide (see pages 6-8).
Product Highlights
Simply Free Checking
VIP Direct Checking
Ultimate Interest Checking
Mobile Banking/Mobile Deposit
Find the true meaning of FREE checking! Start a new
account at CSB with $50 and receive a FREE debit card, no
minimum balance, no monthly service charges, FREE standard
CSB checks, unlimited transactions and FREE online banking.
An account for those interested in higher interest! Earn
interest with no monthly charge for balances over $1,000.
FREE standard CSB checks included with no per check charge.
2
Conduct your checking with the convenience of direct deposit
or any automatic payment. You get FREE standard CSB checks,
plus no minimum balance, no monthly service charge, no per
check charge and competitive interest.
Mobile Banking and Mobile Deposit make it easy to bank on
the go. Use your mobile device to check balances, pay bills and
more. Take a photo of a check using your phone by 4:00 p.m.,
and use Mobile Deposit to receive same-day deposits.
Notice of Account Change — Accounts & Fees
Effective November 16, 2015
Garnavillo Savings Bank Deposit Account
CSB Deposit Account Equivalent
Regular Checking
Simply Free Checking
Service charge fee of $.10 for each paper debit if daily balance falls below $200
during statement cycle. Fee will not apply if account holder is a full-time student
and under the age of 24 or age 65 or older.
Now
▪▪ $500 minimum balance and
unlimited check writing
▪▪ $5 maintenance fee every cycle if
balance falls below $500 any day
of the cycle
Super Now
▪▪ $1,000 minimum and unlimited
check writing
▪▪ Maintenance fee of $10 if
balance falls below $1,000
any day of the cycle
Insured Money Market
▪▪ Maintenance fee of $10 every
statement cycle if balance falls below
$1,000 any day in cycle
▪▪ Must maintain a minimum balance
of $1,000 each day to obtain
disclosed APY
Regular Savings
▪▪ Maintenance fee of $1.00 will be
imposed every statement cycle if the
balance in the account falls below
$5.00 any day of the cycle.
▪▪ Per item fee of $.15 charged on paper
debit transactions, fee will not apply
if a minimum $500 daily balance
every day of the statement cycle.
▪▪ Per withdrawal fee of $.25 will be
charged for each paper debit, will
not apply if the minimum daily
balance is $1,000 or more every
day of the statement cycle.
▪▪ Per item fee of $.25 for each paper
debit will not apply if minimum daily
balance is $1,000 or more every day
of statement cycle.
▪▪ A per item fee of $1,00 will be
charged for each debit transaction
in excess of six during a quarter.
This fee will apply if the minimum
daily balances falls below $5,000
during the statement cycle.
▪▪ $5.00 to open the account
Christmas Club
▪▪ Interest Bearing
▪▪ $5.00 to open the account
On all Community Savings Bank Interest Bearing Accounts, the interest accrues daily based
upon daily available balance and is paid monthly.
Other fees, with respect to Community Savings Bank Accounts, such as NSF, Overdraft, etc.,
may apply. Please refer to our Service Charge Menu found on page 12 for further details.
b FREE standard CSB Checks
b No Service Charge
VIP Direct Checking
b FREE standard CSB checks
b No minimum balance
b No per check charge
Ultimate Interest Checking
b FREE standard CSB Checks
b No Per check charge
b Competitive Interest if balance falls below $1,000
b No Minimum Balance
b No Per check charge
b Competitive interest
b No monthly service charge
b Higher Interest with a balance of $1,000 and above
b $6.00 monthly charge if minimum
daily balance falls below $1,000
Insured Money Market Savings
& Business Money Market Savings
▪▪ Maintenance fee of $8.56 plus tax
if balance falls below $2,500 any
day of the cycle
Regular & Business Savings
b Maintenance fee of $3.33 if monthly balance falls below $100 any day of the cycle
▪▪ Per item fee of $5.00 for each debit
in excess of 6 per month
▪▪ $2,500 to open
b Per item fee of $1.00 for each
debit in excess of 4 per month
Christmas Club
▪▪ Interest Bearing
▪▪ Checks issued first week of November
Every personal checking account includes
b FREE Debit Card
b FREE Online Banking with Bill Pay
b FREE eStatements
b FREE Mobile Money
b FREE return of check images for
easy record keeping
b FREE easy-to-balance monthly
statements
b Fee-free access to any Privileged
Status ATM
b Buy back of your old checks and debit
cards for another financial institution
3
Accounts & Products
How does the merger impact me?
FAQ
Why merge?
The Garnavillo Savings Bank Board of Directors felt that the
merger would benefit you, our customer, and our community.
By merging with Community Savings Bank, we can retain our
local staff while providing a wider range of banking products
and services at a more affordable level. In addition, the merger
gives this bank the capability to provide our customers —
including individuals, families, agribusinesses and regular
businesses — with more products, better loan terms and faster,
more comprehensive service.
Will the account fees change?
With CSB, account fees will be reduced or eliminated.
See the Account List & Fees and Service Charges pages in
this guide for further information, or ask one of our customer
service associates.
Will my debit card continue to work?
Yes! Your current debit card will work until a new card
Will the bank name change?
is issued to you. Our ATM locations are available on
www.csbiowa.com. Remember, you can use any Privileged
Status ATM without incurring fees.
statements and account details will represent the new name of
Community Savings Bank.
What about my credit card?
Will the hours remain the same?
Continue to use your existing card until a new one is issued.
You will receive a new credit card during the month of October.
Yes! When the merger is complete in October, the signage,
Yes! The Garnavillo office will retain its current hours.
Where else can I bank with
Community Savings Bank?
You can now perform your banking tasks at any of our
8 locations, including Garnavillo, Edgewood, Dyersville,
Earlville, Greeley, Manchester, Cedar Rapids and Robins.
Addresses for these locations are listed on the back of this guide.
Locations, hours and a map can be found on csbiowa.com.
Will the phone number stay the same?
Yes! The 800 number remains the same. However, we
encourage you to use CSB’s toll-free number, 1-800-828-2318.
Who do I contact with questions?
We expect you to have questions, and we welcome you to
continue working with the staff members you know at the
Garnavillo office.
4
Once the merger is complete, changes to your everyday banking
will be minimal. Your account numbers will remain the same.
However, the bank’s routing number will change, which will
require new checks. For the most part, though, your accounts
will convert to the most appropriate type of CSB account with
no action required.
Will my GSB checks still work?
Yes! Your current GSB checks will work. Your new, FREE
checks will be sent to you after January 1, 2016. In the future,
you can reorder checks on our website, www.csbiowa.com, or
talk with one of our customer service associates.
Do I need to do anything to ensure
direct deposits and automatic
payments still work?
Yes, because the routing number is changing, you will need
to complete new direct deposit forms or notification of change
forms prior to March 31, 2016. Notify your employer and other
entities (e.g., utilities, insurance, etc.) that make direct deposits or
withdrawals from your accounts. Ask one of our customer service
associates for these forms, complete and return them to the sources
of your deposit(s) or withdrawal(s).
Online Banking
Tax Season
What will happen with online
and mobile banking?
How should I prepare to file taxes?
You will receive information in the mail regarding the next
step for CSB online and mobile banking. Currently, you
can continue using your GSB login at www.csbiowa.com
(look for Garnavillo Customer Online Banking section).
You will receive one combined tax statement in time for
tax season.
I’ve never used online banking.
How do I sign up?
If you have never used online banking with Community Savings
Bank, you may sign up after November 16, 2015. This enables
you to begin checking balances, making transfers, receiving
e-statements and more from your computer. Please read the
e-banking solutions section of this guide and follow these
instructions to sign up:
Go to csbiowa.com, find the gold Online
Banking Login section, and click on Personal
Enrollment for personal accounts and Business
Enrollment for business accounts. You can sign up for mobile
banking as you enroll for online banking. Online banking is
required in order to for mobile banking to function.
Loans
Who do I talk to about loans?
Your current loans will continue to be serviced by the loan staff
in Garnavillo. Please contact them with questions about your
auto, home and business loans.
What’s new with future loans?
You can continue to work with your current loan officer for any
of your lending needs. With Community Savings Bank as the
lender for personal and business loans, we have access to a larger
lending limit. That means greater possibilities for your family
and business. We also offer mortgage loans.
Does anything change with
my loan payments?
No. You will continue to make your monthly payments as usual.
Automatic deductions from your account will continue as usual.
Questions?
Call 1.800.828.2318 or go to our
website at www.csbiowa.com
5
Important Info for Current
GSB Online Banking Customers:
▪▪ You will be receiving information in the mail
regarding the next step to sign up for CSB online
and mobile banking.
▪▪ Prior to opening your new CSB online and mobile
banking account, you will need to download your
GSB online statement history by logging into the
Garnavillo Customer area on www.csbiowa.com.
Get More from Your
Online Banking Experience
Your first step to banking with your fingertips
Talk about convenient! Online Banking makes it easy to review and track your accounts and transactions through a secure, encrypted
website. It doesn’t matter when the bank opens or closes — you can manage transfers, obtain statements and review detailed
transaction history. It’s free with any checking account, and it provides access to other convenient services.
Online Banking enables you to:
▪▪ Review statements
▪▪ View, sort and search accounts and transactions
▪▪ Look up check and deposit images
▪▪ Transfer funds
Export to Quicken® and other software
Access Online Bill Pay
▪▪ Access to Mobile, Text and Tablet Banking
▪▪
▪▪
Easy Enrollment
Online Enrollment
1.
2.
3.
Go to csbiowa.com and click on Personal Enrollment
or Business Enrollment under “Online Banking
Login.” Read the Enrollment Form Agreement and
click on “I agree” at the bottom of the page.
On the Enrollment Form, complete the mandatory
fields, and if you want mobile banking features, check
the Mobile Banking box. Click “Submit.”
You will receive a confirmation email with your
temporary password and User ID for your first time
logging in. You will be asked to select a new password
and User ID when you log in.
Mobile Banking App
Enrollment Guide: csbonthego
1. Enroll in CSB’s Online Banking
2. Go to App Store or Google Play and search “TouchBanking”
3. Download TouchBanking App
4. Activate TouchBanking App with code:
csbonthego
14-4-49 eBanking_Reference_Card.indd 1
6
10/3/14 3:10 PM
Online Banking
Online Bill Pay
Online Bill Pay* enables you to pay bills
quickly and easily online. Bill Pay is a
FREE service with Online Banking.
▪▪
▪▪
▪▪
▪▪
▪▪
Pay all of your bills at
your convenience
Pay anyone without mailing
a check
Add billers quickly with
minimal information
Schedule payments for
their specific due dates
Change, edit or stop
pending payments
Transfer Money
(Account to Account)
Popmoney
Internet banking provides easy access to
account-to-account transfers so you can
move funds quickly and securely. For a
fee, you can also manage funds between
CSB and other financial institutions.
Manage money quickly and easily
▪▪ Schedule transfers
▪▪ Transfer money between CSB
and other financial institutions
for a small fee
With Popmoney, you can easily pay friends
or collect money from a group at the office.
Just sign up for Bill Pay,* and select the
Pay People tab. Set up Payees, and it’s ready
to go either online or via mobile text.
▪▪
▪▪
▪▪
▪▪
▪▪
▪▪
▪▪
Other E-Products
Send a payment to anyone via email,
text or bank accounts
Collect money from a group
Quickly send/receive money
No check writing or running
to the ATM or bank
The sender pays a small fee
to send money
It’s FREE to receive Popmoney
eStatements
MoneyLine
With eStatements, you receive your
statement via email instead of in the
mail. eStatements are accessible to you
as soon as they are available, and they
prevent reams of paper from clogging
up your files.
Are you often away from your computer?
With a quick call to MoneyLine, you can
get your balance, transfer funds and more.
Try it today at 1.800.699.6012!
Mobile Banking**
Features
Text Banking
Mobile Browser
Phone App
Check Account Balance
Find nearby ATMs or branch locations
Pay bills
N/A
Popmoney
N/A
Transfer money between accounts
N/A
View transaction history
Mobile deposit
N/A
N/A
Mobile Deposit
Mobile Transfer
Deposit checks faster using your smart phone camera and
CSB’s TouchBanking app! Just take photos of your checks
(front and back) and submit.
Move funds while you’re on the go! Transfer funds to another
account with CSB’s TouchBanking app on your mobile device.
Same-day deposits when done by 4:00 p.m.
▪▪ 30-day review of all mobile deposit items
▪▪
* You must have Online Banking to use Bill Pay.
Transfer money between accounts
Schedule transfers (one time or recurring)
▪▪ View account history
▪▪
▪▪
**Data and/or text may be required for mobile banking activities.
7
E-Banking for Business
Business Online Banking
Online banking for business at CSB provides a convenient cash management system. Using our suite of e-Banking solutions, small,
medium and large businesses can maximize returns and cash flow in order to maintain robust financial health.
Business accounts can enjoy all the features of personal online banking plus the added benefits of:
▪▪
Access to add users with account
access restrictions per user
▪▪
ACH processing, including
automatic debits, withdrawals
and payroll deposits
Other E-Products for Business
Corporate Sweep
Maximize interest earned
▪▪ Maintain a target balance
▪▪ Benefit from automatic transfers
▪▪
Business Manager
Improve cash flow
▪▪ Reinforce collections
▪▪ Manage your operations
▪▪
8
▪▪
Wire transfers
Remote Deposit Capture
Scan checks any time, on your schedule
Enjoy same-day deposit when checks are
scanned by 4:45 p.m.
▪▪ Receive in-person setup and training
▪▪ Access 24/7 online training and support
▪▪
▪▪
Merchant Card Processing
▪▪ Reduce processing costs
▪▪ Receive superior training
and customer service
▪▪ Customize your payment solution
▪▪ Review detailed online reports
Transaction Policies
YOUR ABILITY TO WITHDRAW FUNDS
This policy statement applies to “transaction” accounts. Transaction
accounts, in general, are accounts that permit an unlimited number of
payments to third persons and an unlimited number of telephone and
preauthorized transfers to other accounts of yours with us. Checking
accounts are the most common transaction accounts. Feel free to ask us
whether any of your other accounts might also be under this policy.
Our policy is to make funds from your cash and check deposits available
to you on the first business day after the day we receive your deposit.
Electronic direct deposits will be available on the day we receive the
deposit. Once the funds are available, you can withdraw them in cash
and we will use the funds to pay checks that you have written.
Please remember that even after we have made funds available to you,
and you have withdrawn the funds, you are still responsible for checks
you deposit that are returned to us unpaid and for any other problems
involving your deposit.
For determining the availability of your deposits, every day is a business
day, except Saturdays, Sundays, and federal holidays. If you make
a deposit before closing on a business day that we are open, we will
consider that day to be the day of your deposit. However, if you make a
deposit after closing or on a day we are not open, we will consider that
the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 4:00 P.M. on a business day
that we are open, we will consider that day to be the day of your deposit.
However, if you make a deposit at an ATM after 4:00 P.M. or on a
day we are not open, we will consider that the deposit was made on
the next business day we are open. (All New Accounts will have this
service restricted for the first ninety (90) days from the date the account
is opened. To activate this option after the ninetieth (90th) day it is
necessary for you to contact Customer Service.)
If we cash a check for you that is drawn on another bank, we may
withhold the availability of a corresponding amount of funds that
are already in your account. Those funds will be available at the time
funds from the check we cashed would have been available if you had
deposited it.
If we accept for deposit a check that is drawn on
another bank, we may make funds from the
deposit available for withdrawal immediately
but delay your availability to withdraw a
corresponding amount of funds that you
have on deposit in another account with
us. The funds in the account would then
not be available for withdrawal until the
time periods that are described elsewhere
in this disclosure for the type of check that
you deposited.
LONGER DELAYS MAY APPLY
Case-by-case delays
In some cases, we will not make all of the funds that you deposit by
check available to you on the first business day after the day of your
deposit. Depending on the type of check that you deposit, funds may
not be available until the second business day after the day of your
deposit. The first $200 of your deposits, however, will be available on the
first business day.
If we are not going to make all of the funds from your deposit available
on the first business day, we will notify you at the time you make your
deposit. We will also tell you when the funds will be available. If your
deposit is not made directly to one of our employees, or if we decide to
take this action after you have left the premises, we will mail you the
notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us
when the funds will be available.
Safeguard exceptions
In addition, funds you deposit by check may be delayed for a longer
period under the following circumstances:
We believe a check you deposit will not be paid.
You deposit checks
totaling more than $5,000 on any one day.
You redeposit a check that
has been returned unpaid.
You have overdrawn your account repeatedly
in the last six months.
There is an emergency, such as failure of computer
or communications equipment.
We will notify you if we delay your
ability to withdraw funds for any of these reasons, and we will tell you
when the funds will be available. They will generally be available no later
than the seventh business day after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNTS
If you are a new customer, the following special rules will apply during
the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available
on the day we receive the deposit. Funds from deposits of cash, wire
transfers, and the first $5,000 of a day’s total deposits of cashier’s,
certified, teller’s, traveler’s, and federal, state and local government
checks will be available on the first business day after the day of your
deposit if the deposit meets certain conditions. For example, the checks
must be payable to you (and you may have to use a special deposit slip).
The excess over $5,000 will be available on the ninth business day after
the day of your deposit. If your deposit of these checks (other than a
U.S. Treasury check) is not made in person to one of our employees, the
first $5,000 will not be available until the second business day after the
day of your deposit. Funds from all other check deposits will be available
on the ninth business day after the day of your deposit.
9
Privacy Policies
Facts
WHAT DOES COMMUNITY SAVINGS BANK DO WITH YOUR
PERSONAL INFORMATION?
Why ?
How ?
Financial companies choose how they share your personal
information. Federal law gives consumers the right to limit
some but not all sharing. Federal law also requires us to tell
you how we collect, share and protect your personal information.
Please read this notice carefully to understand what we do.
All financial companies need to share customers’ personal
information to run their everyday business. In the section below,
we list the reason financial companies can share their customers’
personal information; the reasons Community Savings Bank
chooses to share; and whether you can limit this sharing.
What ?
The types of personal information we collect and share depend
on the product or service you have with us. This information
can include:
▪▪ Social Security Number
▪▪ Account Balances
▪▪ Credit history
▪▪ Transaction or Loss History
▪▪ Payment History
When you are no longer our customer, we continue to share your
information as described in this notice.
Questions?
Call 1.800.828.2318 or go to our
website at www.csbiowa.com
10
Reasons we can
share your personal
information
Does
Community
Savings
Bank
Share?
For our everyday
business purposes–such
as to process your
transactions, maintain
your account(s), respond
to court orders and legal
investigations, or report
to credit bureaus
YES
NO
For our marketing
purposes– to offer our
products and services
to you
NO
We Do
Not Share
For joint marketing
with other financial
companies
NO
We Do
Not Share
For our affiliates’
everyday business
purposes– information
about your transaction
and experiences
NO
We Do
Not Share
For our affiliates’
everyday business
purposes– information
about your
creditworthiness
NO
We Do
Not Share
For our affiliates to
market you
NO
We Do
Not Share
For nonaffiliates to
market you
NO
We Do
Not Share
Can You
Limit this
Sharing?
Who we are
Who is providing this notice?
Community Savings Bank
101 E Union St., P.O. Box 77, Edgewood, IA 52042
What we do
How does Community Savings Bank protect my
personal information?
How does Community Savings Bank collect my personal
information?
To protect your personal information from unauthorized
access and use, we use security measures that comply
with federal law. These measures include computer
safeguards and secured files and buildings.
We collect your personal information,
for example, when you:
▪▪Open an account or deposit money
▪▪Pay your bills or apply for a loan
▪▪Use your debit card
We also collect your personal information from other
companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
▪▪Sharing for affiliates’ everyday business purposes information about your creditworthiness
▪▪Affiliates from using your information to market to you
▪▪Sharing for nonaffiliates to market you
State laws and individual companies may give you
additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
▪▪Community Savings Bank has no affiliates.
Nonaffiliates
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
▪▪Community Savings Bank does not share with
non-affiliates so they can market you.
Joint Marketing
A formal agreement between nonaffiliates financial companies
that together market financial products or services to you
▪▪Community Savings Bank does not jointly market.
Other important information
None at this time.
Member FDIC
11
Service Charge Menu
Account Activity Printout (current month)*................................... $2.00
Night Deposit Key Deposit/Lost.................................................. $25.00
Account Balancing Assistance ($10.00 min.)/per hour*................ $20.00
Night Deposit Bag (Locking)......................................................... $25.00
Account Closed Within 90 days*................................................... $15.00
Charge not applicable to the following checking account types: Simply Free
Checking, Classic 50 Checking, VIP Direct Checking, Ultimate Interest
Checking, Simply Free Business Checking, Business Interest Checking, and
Commercial Checking.
Night Deposit Bag (Zipper)............................................................. $5.00
Account Research ($10.00 min.)/per hour*.................................... $20.00
Photocopy (Black/White) ......................$.25; (Color)....................... $.50
ATM Card (annual fee)*................................................................. $12.84
Pre-Authorized Automatic Transfer
to avoid Overdraft Charges*............................................................ $5.00
ATM Card Replacement* (per card).............................................. $20.00
Charge Off Account Fee................................................................ $20.00
Check Cashing Non-customer ($5.00 min.).......................3% of amount
Coin Counting Non-customers ($5.00 min.).....................5% of amount
Copy of Extra Statement*................................................................ $2.00
Counter Checks...................................................................... $1.00 per 5
Fax (per page)................................................................................... $2.00
Foreign/Canadian Deposited Item* ............................................. $20.00
Garnishments/Levies.................................................................... $50.00
Gift Card.......................................................................................... $4.95
Inactive Account Fee
(balance less $100.00 & no activity for 90 days).............................. $10.00
Charge not applicable to the following checking account types: Simply Free
Checking, Classic 50 Checking, VIP Direct Checking, Ultimate Interest
Checking, Simply Free Business Checking, Business Interest Checking, and
Commercial Checking.
Money Orders BANK - (non CSB Bank Club Member).................. $5.00
Money Orders PERSONAL - (non CSB Bank Club Member)........ $3.00
Notary (Non-customer).................................................................... $2.00
Outgoing ACH Recurring (per item)............................................... $5.00
Overdraft - per item (Consumer limit of 5 per day) ***.................. $25.00
Returned Deposited Item-Charge Back waived if use Checkmarc collection*.................................................. $4.28
Return Item (NSF) ........................................................................ $25.00
Safe Deposit (Replacement key)..................................................... $15.00
Select Line of Credit-Annual Fee................................................... $40.00
SHAZAMChek Card - Annual Fee* (2 card limit)......................... $12.84
SHAZAMChek Card Replacement* (per card).............................. $20.00
SHAZAM Chargeback Research* (per hour)................................. $20.00
SHAZAM Hotcard* (includes re-issuance fee)................................ $20.00
Special Statement cut-off*............................................................... $5.00
Special Statement Handling (waived if E-statement)*...................... $5.00
Stop Payment *.............................................................................. $25.00
Wire Transfer
Domestic outgoing.......................................................................... $18.00
International outgoing.................................................................... $50.00
Undeliverable Mail Fee ................................................................... $3.00
Mortgage Amortization Schedule................................................. $10.00
Personalized Checks, cost will vary.
*Applicable service charges are subject to
Iowa State tax, Local Option tax, and Iowa School
Local Option tax.
***Overdrafts can be created by check, in-person withdrawal, ATM withdrawal, or other
electronic means.
12
Bill Robinson
Garnavillo Savings Bank
Vice President
& Branch Manager
Brett Nagel
Senior Vice President
Community Savings Bank
Jackie Johnson
Executive Vice President
Community Savings Bank
Steve Brady
President & CEO
Community Savings Bank
We’re here to help you.
With over a century of experience in personal, business and agricultural banking, all you need to do is ask CSB.
We’ll help you find the right solutions for your needs, from Simply Free Checking to mortgage loans.
Community Savings Bank
Edgewood
Earlville
Greeley
Cedar Rapids
Dyersville
Garnavillo
Manchester
Robins
101 East Union
Edgewood, Iowa 52042
563.928.6425
1211 12th Avenue S.E.
Suite 103
Dyersville, Iowa 52040
563.875.6296
106 Northern Avenue
Earlville, Iowa 52041
563.923.3145
101 S. Main Street
Garnavillo, Iowa 52049
563.964.2341
107 North Front Street
Greeley, Iowa 52050
563.925.2421
201 East Main
Manchester, Iowa 52057
563.927.4014
800.828.2318 • www.csbiowa.com
3414 Mount Vernon Road S.E.
Cedar Rapids, Iowa 52403
319.363.0577
101 Robins Square Court
Robins, Iowa 52328
319.294.2783