CSB Overdraft Protection offers you a personal line of credit combined with the simplicity and convenience of your checking account — and you are in complete control. Best of all, you don’t have to worry about inadvertent overdrafts in your checking account. With Overdraft Protection, you avoid costly overdraft charges and embarrassing check returns.
Business Products
Business Treasury Management
Our Treasury Products are thoughtfully designed to guard against fraud. Pick one of our trusted packages, or mix and match with add-on services for a perfect fit.
Merchant Card Services
Chelsea State Bank partners with Schissler Certified Payments Consultants for Merchant Services for the Bank’s Business Customers. This program helps our customers reduce their operating costs, improve cash flow and minimize exposure to fraud and risk.
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Boost Your Bottom Line
Equipment Install & Training Included
Streamline Billing & Record Keeping
- Accept debit, credit, and online transactions
- Includes major credit and debit cards for increased versatility
- Includes Apple Pay® and Google Pay®*
- Provide additional payment options for your customers
- Boost your bottom line by making it easier for people to pay you
- Reduce billing expenses, processing time, and human error
- Equipment install and training included
- Streamline billing and record-keeping
- Automatic credit directly to your deposit account
- No contracts or cancellation fees
- Excellent customer service from a local firm – No 800 number
*Apple Pay is a registered trademark of Apple Inc. Google Pay is a registered trademark of Google, Inc.
Business Online Banking
Know the pulse of your business day and night — in the office or across the country. Easily manage your money anywhere you have an internet connection, 24/7.
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Ability to Originate ACH Files*
Monitor & Manage Your Accounts Anytime
Secure, Convenient, & Easy to Use
*Cash management required
- Monitor and manage your accounts online, anytime:
- View your checks with check imaging
- Track your activity
- Transfer funds
- Make payments
- And more
- Ability to originate ACH files*
- ACH File Editor*
- Ability to have multiple users with different levels of security
- Secure, convenient, and easy to use
*Cash management required
Funds Transfer Services
Boost business efficiency by making payments and moving money with ease and accuracy.
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ACH
Wires
BillPay
- Conduct a number of outgoing payments 24/7, electronically:
- An up-to-date record of transactions is available via online banking or account statements
- Schedule one-time or recurring outgoing payments
- Efficient and accurate processing, providing more visibility to your cash position
- Improve cash flow
- Increase productivity by automating processes
- Cut down on employee resources and time
- Increase accuracy; reduces human error
- Eliminates wastes and expenses associated with paper checks
- Reduce check handling — no printing, signing, or storage
- Decrease check fraud
Payroll Direct Deposit Services
Directly deposit payroll to employee accounts at any financial institution in the country — while saving money on every paycheck you issue.
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Save Time & Money
Efficient & Accurate Processing
Reduce Reconciliation & Fraud Risk
- Deposit paychecks directly into employee bank accounts
- Efficient and accurate processing
- Increase productivity by automating processes
- Increase accuracy; reduces human error
- Eliminates wastes and expenses associated with paper checks
- Save time and money
- Reduce reconciliation and fraud risk
Cash Management
Reach your optimum operating efficiency with our cash management services. Simply choose the services that will help you succeed.
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Streamline Record-Keeping
Collect Payments Electronically
Make & Record Tax Payments
- Enjoy 24/7 control over company finances
- Cut down on repetition; save time and reduce errors in accounting
- Streamline record-keeping
- Have anytime control of comprehensive information at your fingertips:
- Payroll direct deposit services
- Automated Clearing House (ACH) services
- Pay bills
- Make and record tax payments
- Collect payments electronically
- And much more
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- Best of all, you don’t have to worry about inadvertent overdrafts in your checking account. With Overdraft Protection, you avoid costly overdraft charges and embarrassing check returns.
- You create your own loan–to cover unforeseen expenses or purchases of that special item–simply by writing a check. When you write for more than the balance in your account, we automatically cover that check (in multiples of $100) with an Overdraft Protection loan up to your pre-approved credit limit.
- Once your Overdraft Protection loan account is activated, you receive a monthly Overdraft Protection statement along with your regular checking account statement. It will detail all of your credit line transactions for the month, including finance charges. You will be required to pay 5% of your loan balance, or $100, whichever is greater. The minimum required payment will be automatically deducted from your checking account each month after you have received and reviewed your statement. Of course, you may pay more or all, if you wish, by remitting payment directly to the bank.
It is easy to add CSB Overdraft Protection to your personal checking account. Your account number remains the same and you may continue to use your existing checks.
Positive Pay
Enjoy more peace of mind. Catch fraud before the money leaves your account with this convenient and valuable service.
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Protects Your Business From Check Fraud
Block Unauthorized Transactions
Saves You Time & Money
- Catch fraudulent activity before the money leaves your account
- Simple, back-end process:
- Automatically compares checks presented for payment to those in your check issued file
- You decide whether or not to approve the payment
- Timely return of money should fraud occur
- Enjoy increased peace of mind knowing your information is receiving increased security
Remote Deposit
Enjoy more lunch breaks actually eating lunch instead of heading to a branch. Deposit checks directly from your desk with remote deposit capture.
- Deposit checks from the convenience of your office
- Utilizes a desk scanner and internet access
- Simply sign, scan, then send checks to the bank for processing
- Checks converted to an electronic image that is then securely transmitted to the bank
- Streamline check handling from multiple offices or locations
- Same day credit up to 5 pm; realize funds quicker, accelerating cash flow
- Saves time; the whole process can be done in a matter of minutes
- Reduce time and money spent on document preparation and transportation
- Fewer errors in accounting
- Reduce the risk of check fraud by eliminating the circulation of paper checks