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.
Personal Products
Personal Account Services
Discover the CSB difference! Explore our comprehensive account services and elevate your banking experience. We're more than just an account, we're your financial partner.
Allpoint
What is the Allpoint Network?
The Allpoint Network is a surcharge-free network of ATMs with over 55,000 locations throughout the United States, Canada, Mexico, Puerto Rico, United Kingdom and Australia. We are a proud member of the Allpoint Network, providing access to ATMs at your favorite retail locations. Get cash at the convenient location nearest you as often as you like; it’s all complimentary.
Highlights
We Are Bringing Convenience and Savings
Get Cash Where You Shop*
Deposit Money into your Account
**Not all retail locations participate in every market. Check the Allpoint locator to be sure the location is surcharge-free.
Card Security
Debit Card Alerts:
CSB offers debit card alert services via text message and/or e-mail for customers. Help keep your account secure with real time alerts that can be customized based on specific transactions. To get started, follow the link below to our partner’s site to continue registration:
Please note that while you will be redirected to an external site to register, this is through a trusted third-party partner of Chelsea State Bank.
If you believe your debit or credit card has been lost or stolen, please let us know immediately.
Debit (Mastercard®) ATM Card
During Business Hours:
Monday – Friday 8:30 AM – 4:00 PM
1 (734) 475-1355
After Business Hours:
1 (844) 791-0120
PIN Activation & Reset:
1 (800) 290-7893
Visa ® Credit Card:
24 hours a day, 7 days a week:
1 (800) 367-7576
eStatements
eStatements are a great way to get all your banking notices in a timely and reliable fashion.
- With eStatements you can have all your notices sent to you directly by e-mail. No more waiting for the mail to deliver your loan payment notices, reminders, transfer notifications, bank statements or any other banking communication. Plus, no paper used means you’re helping to make the world a little greener.
- To enroll, simply log into your CSB online banking account, or access your account through our mobile app.
- Navigate to “Documents”
- Follow the prompts
ID Theft Protection
In a market overflowing with solutions that take a daunting do-it-yourself approach to credit re-establishment, ID TheftSmart’s licensed investigators simply do more. ID TheftSmart’s investigators have thousands of hours of experience — more than any other company in the industry — helping people to determine the extent of their exposure to risk, and to restore to a pre-theft status as quickly and efficiently as possible as an advocate on your behalf.
ID TheftSmart’s licensed investigators handle identity theft issues with a three-staged defense.
Identity Theft Protection:
- Consult on best practices for managing Personal Identifying Information (PII)
- Provide safety guidelines for communicating and interacting online
- Provide cardholders information about their rights under federal and state laws
- Consult on best practices for consumer privacy
- Access to a personal advocate if identity theft occurs
Identity Theft Detection:
- Provide an action plan when information has been compromised
- Help with interpreting and analyzing credit report
- Fraud alert assistance
- Credit freeze consultation
- Provide personal assistance when suspicious issues extend beyond initial findings
Identity Restoration:
- Confirm identity fraud and identify its nature and scope
- Assist in obtaining a police report
- Provide tri-merged credit report and perform full non-credit searches
- Work on behalf of members until all identity theft issues have been verifiably resolved
- Place seven-year fraud victim statements with credit reporting agencies when applicable
ID TheftSmart’s licensed investigators attack the issue before, during, and after someone becomes the victim of identity theft. This multifaceted approach allows all members to benefit from the experience and expert consultation provided by the investigators. They address the issue of privacy and best practices before an event, action after a data exposure, and restoration services in the unfortunate event of an identity theft occurrence.
Ready to protect your identity? Get in touch with a member of the Chelsea State Bank team to get started.
Option 1: Identity Management Service
$5 per person per month
Easily and efficiently self-monitor your identity within our ID TheftSmart portal.
Option 2: Credit Monitoring
$7 per person per month
Automatic credit monitoring by Experian Credit Bureau that will notify you of over 10 different credit fraud types including:
- New accounts opened
- Payment Delinquencies
- Credit Inquiries
- Public Record Changes
- Change of Address
- Credit Card Over Limit
- Deceased
- Lost or Stolen Card
- New Unconfirmed Address
- Settlement
- Skip Cannot Locate
- Fraud or Victim Statement
- Major Derogatory
Option 3: Credit Monitoring by Three Bureaus
$9 per person per month
The same automatic notifications as option 2 but the most thorough credit monitoring available by 3 different international credit bureaus including:
- New accounts opened
- Payment Delinquencies
- Credit Inquiries
- Public Record Changes
- Change of Address
- Credit Card Over Limit*
- Deceased*
- Lost or Stolen Card*
- New Unconfirmed Address*
- Settlement*
- Skip Cannot Locate*
- Fraud or Victim Statement*
- Major Derogatory
*Experian Bureau only
IntraFi & CDARS
Access millions in FDIC insurance through a single, local bank relationship. It pays to be safe!
Highlights
View All BenefitsAll Benefits
Earn Interest
FDIC Insurance on Deposits > $250,000
Keep Large Cash Balances Secure
Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. The IntraFi hexagon and IntraFi logo are service marks, and ICS, CDARS, and Bank Safe, Bank Smart are registered services marks, of IntraFi Network LLC. BANK SAFE BANK SMART®Access multi-million-dollar FDIC insurance on large deposits placed into demand deposit accounts, money market accounts and CDS, earn interest, and maintain access to funds.All from a bank you already know and trust.
- Available to businesses, nonprofits, public fund managers and other large-dollar depositors.
- Rest assured: Make your entire deposit eligible for FDIC insurance that is backed by the full faith and credit of the federal government. No one has ever lost a penny of FDIC-insured deposits.*
- Earn interest: Using CDARS, you can put excess cash balances to work by placing funds into CDs.
- Save Time: Say goodby to tracking collateral on an ongoing basis, managing multiple bank relationships, manually consolidating bank statements, and other time-consuming workarounds.
- Enjoy Flexible Liquidity Options: CDARS allows you to select from multiple term options to meet your liquidity needs.
- Transparent Reporting: See important account details online, 24/7. Receive one statement with detailed reporting provided by CSB. Your confidential information remains protected.
- Community Investment: Feel good knowing that the full amount of your funds placed through CDARS can support local lending opportunities that build a stronger community.**
*Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi, the IntraFi logo, CDARS, and the Certificate of Deposit Account Registry Service are registered trademarks of IntraFi LLC.
** When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use CDARS, our bank can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.
View All BenefitsAll Benefits
- 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.
Reorder Checks
We are here to help. We have three simply ways you can reorder your checks – just find the right solution for you!
- Send a request through online banking or in the mobile app
- Visit one of our branches
- Order online: https://www.ordermychecks.com/
Visa Gift Cards
It works just like a credit or debit card, and is accepted worldwide. Load the card for any amount between $25 and $500, and make your gift-giving easy!
- Perfect gift for any occasion
- Accepted worldwide and online
- Easily replaced if lost or stolen
- Available for amounts of $25 to $500
Purchase your card at any of our convenient branch locations today!
Wire Instruction
Incoming Wire Instructions: Incoming Domestic Wire Instructions: Incoming Foreign Wire Instructions: