Deposit Accounts

Traditional I.R.A. is a tax-deferred account which a customer, subject to restrictions, can make deposits & earn interest for retirement purposes.

Roth I.R.A. is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period.

Simplified Employee Pension (SEP) is a plan that allows an employer to provide a retirement plan for employees by making a contribution to each eligible employee's traditional I.R.A.

Call 402-586-2266 and talk to Kelsey for more details on which I.R.A. account is right for you. Remember, all I.R.A. deposits are insured up to $250,000, member FDIC.

The Commercial State Bank Regular Checking Account is a non-interest bearing checking account available to individuals, organizations, businesses and corporations. Depending on the average balance, there may be a monthly service fee based on the account average balance and number of checks written per month.

• No Minimum Balance
• $3.00 Monthly maintenance charge per account.
• $ .15 Charge per check or withdrawal.
• $ .10 Credit applied toward service charges for each $100.00 of average balance carried for the month.
• The above fees do not apply for Senior Citizens if Social Security checks are automatically deposited to this account.
• $30.00 Overdraft charge per check/item.
• $35.00 Returned check charge per check/item.
• $10.00 Per day charge for each account remaining overdrawn after 5 business days. 
• Total overdraft charges/fees will not exceed $100.00 per day

The Commercial State Bank EZ Checking Account is a non interest baring checking account that is avalible to individuals, organizations, businesses, or corporations. If you keep an average balance of $1,000.00 and have estatements you will not have a monthly service fee. 

• Minimum balance of $ 100.00
• $7.00 monthly maintenance fee if average balance falls below $1,000.00
• $2.00 monthly fee for paper statement if requested by customer
• $30.00 overdraft charge
• $35.00 return check charge
• $10.00 per day for each account remaining overdrawn after 5 business days
• Total overdraft charges/fees will not exceed $100.00 per day

The Commercial State Bank NOW Account is an interest bearing account which pays you competitive rates monthly for your deposit. A service fee may be imposed on this account depending on the average balance and number of checks written on the account per month.

• Minimum balance $500.00
• $ 2.00 Monthly maintenance charge per account.
• $ .20 Charge per check or withdrawal after the first 20 checks or withdrawals each month.
• $ 5.00 Monthly charge if account average balance falls below the required minimum balance.
• The above fees do not apply for Senior Citizens if Social Security checks are automatically deposited to this account.
• $30.00 Overdraft charge per check/item.
• $35.00 Returned check charge per check/item.
• $ 10.00 Per day charge for each account remaining overdrawn after 5 business days.
• Total overdraft charges/fees will not exceed $100.00 per day

The Commercial State Bank Money Market Account is an interest bearing account which requires a higher minimum balance; however, it pays you an even higher rate than the NOW account. Individuals, organizations and businesses can own a Money Market account. This account has a service fee based on the minimum balance. This fee will not apply to customers with Social Security Retirement direct deposit.

• Minimum balance $1,000.00
• $ 2.00 Monthly maintenance charge per account.
• $ 6.00 Monthly charge if account average balance falls below the required minimum; earnings rate becomes that of a NOW account. Limited transactions allowed.

The Commercial State Bank Passbook Savings Account is a versatile account available to all bank depositors. The savings account is flexible enough to give a small depositor the same benefits as a large depositor. With no limit to the number of deposits, customers can tailor their savings program to fit their needs. Interest is paid quarterly on this account.  This fee will not apply to customers with Social Security Retirement direct deposit or customers under the age of 21. 

• No minimum balance
• $ 3.00 Annual maintenance charge per account.
• $ .50 Per withdrawal in excess of 15 per year.

The Commercial State Bank's Arch Club Account is a way of offering EXTRA benefits to special customers. To qualify, you must be at least 50 years of age and maintain a special club checking account. A single qualifying membership covers both husband and wife. Anyone, age 50 or over, may become a member with less than the minimum balance of $2500.00 by paying the monthly service fee of $10.00.

• Higher interest rate(s) on balances of $10,000 and higher
• A selection of free checks
• No service charges for cashier's checks
• No charges on stop payments
• Periodic new items
• Discount travel excursions
• Social activities
• Luncheons & seminars

The Commercial State Bank's Christmas Club Savings Account is a great way to save for Christmas. Deposit all through the year and have enough money to buy Christmas Gifts. On November 1st a check will be issued to you and the interest will be paid at that time. The account will remain open until February so you can start for the next year and if nothing is done by that time the account will be closed.

For more information concerning which deposit account is right for you, call us at 402-586-2266 or stop in and see us.

Commercial State Bank offers a variety of competitive CD rates. There is a minimum deposit of $1,000.00 required on all Certificates of Deposit.

Our regular CD's consist of the following:

•  6 Month
• 12 Month
• 24 Month
• 36 Month
• 48 Month

From time to time we also have various "Special" Certificates of Deposit that have a variety of maturity terms. For our current CD terms and rates press visit our Rates page.