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Small Business Account Fee Schedule

Effective January 1, 2022

Small Business Checking

No minimum balance required

Analyzed Business Checking

  • $10,000 minimum average collected monthly balance - No Monthly Maintenance Service Charge.

  • Below minimum average collected monthly balance - $15 Monthly Maintenance Service Charge

Basic Transactions Small Business Checking (First 125 free) Analyzed Business Checking (First 300 free)
Basic transactions1&nbsp (Per item over limit) Basic Transactions over 125 (each) $ 0.50 Basic Transactions over 300 (each) $ 0.50

Account Services Analyzed Fees
Negative Collected Balance (Average daily per month) No Charge Prime + 3.00%
Duplicate Statement (Monthly per account) $ 3.00 $ 3.00
Deposit by Armored Car (Per deposit) $ 5.00 $ 5.00
Stop Payment (Per item) $ 30.00 $ 30.00
Deposited Item Returned Unpaid 2 (Per item) $ 10.00 $ 10.00
Mail Deposit (Per deposit) No Charge $ 5.00
Mail Deposit Item (Per item) No Charge $ 0.50
Night Deposit Processing Fee (Per deposit) $ 2.00 $ 2.00
Canadian Check Collection (Per item) $ 25.00 $ 25.00
Foreign Check Collection 3 (Per item) $ 40.00 $ 40.00

Wire Services Analyzed Fees
Domestic - Incoming (Per item) $ 15.00 $ 15.00
Domestic - Outgoing (Per item) $ 30.00 $ 30.00
Online Banking Domestic - Outgoing (Per item) $ 15.00 $ 15.00
International - Incoming (Per item) $ 15.00 $ 15.00
International - Outgoing (Per item) $ 40.00 $ 40.00
Online Banking International – Outgoing (Per item) $ 35.00 $ 35.00

Online Services
Business Online Banking (Per Company ID) No Charge
Bill Pay Rush Delivery (overnight) Payment by ACH (Per item) $ 7.00
Bill Pay Rush Delivery (overnight) Payment by Check (Per item) $ 30.00

Other Business Services
Insufficient Funds (NSF) / Uncollected Funds (UCF) and EFT and Debit Card Overdraft4 (Per instance) $ 40.00
Research 5 (including statement copies)  (Per hour) $ 40.00
Copy of Any Document (Per item) $ 3.00
Money Order (Per item) $ 4.00
Treasurers Check (Per item) $ 6.00
Domestic Check Collection (Per item) $ 30.00
Garnishment and Levy Processing (Per item) $ 75.00
Courier Fee 5 (Per request) Varies
Night Deposit Key Replacement (Per key) $ 5.00
Notary Public Service (Per request) No Charge

Business Debit Cards
Transaction at CSB ATMs (Per item) No Charge
Transaction at All Other ATMs Withdrawals/Balance Inquiries (surcharges by other banks may also apply) (Per item) $ 1.50
Re-issued Card: Branch (Per card) $ 10.00
Re-issued Card: Expedited Mail (domestic) (Per card) $ 25.00
Re-issued Card: Expedited Mail (international) (Per card + shipping) $ 25.00
International ATM & Point of Sale (POS) Transactions (Per item) 0.75%

Interest-Bearing Accounts
Small Business Money Market, Below $1,000 Minimum Average Monthly Balance (Monthly) $ 10.00
Small Business Money Market, Below $1,000 Minimum Average Monthly Balance (Per day) $ 10.00
Money Market Excess Transactions (Limit of 6 withdrawals per month) (Per item) $ 10.00

Retirement Accounts
SEP Plan Annual Fee (Annually per plan) $ 25.00
SIMPLE Plan Annual Fee (Annually per plan) $ 25.00
Trustee Transfers Per Transfer (Per item) $ 30.00
Expedited Mail Transfer (Per item) $ 30.00
Wire Transfer (Per item) See Wire Fees Above

Analyzed Business Checking Accounts earn a monthly Earnings Credit that may offset some or all service charges for the month. The average collected balance is used to calculate the earnings credit and the earnings credit rate is variable. See the Understanding Your Deposit Account Handbook for Business Accounts for more information. 1Basic Transaction is any combination of deposits, items deposited, checks paid, account transfers, ACH credits and ACH debits. 2If a deposited item that has been previously returned unpaid is presented an additional time for payment it will be subject to additional fees if returned again. 3You may be assessed additional Foreign Check Collection fees by the sending bank. 4You may be assessed additional NSF or uncollected funds fees for the same item if the sending bank or merchant requests that the item be represented for payment. 5Fees will be disclosed prior to charge.