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Personal Savings

Whether you're saving with a special purpose in mind or simply setting aside money for that proverbial "rainy day," we're here to help you achieve your goal. At Central State Bank, you'll find a wide variety of products backed by solid advice, outstanding service, and FDIC-insured safety. Here's a summary of our most popular savings and investment plans.

Savings Accounts

Regular SavingsStudent SavingsUTMA Savings*Christmas ClubHealth Savings Account (HSA)
AvailabilityEveryoneFull-Time Students (Thru College Age)Individuals Under Age 21 (With Qualifying Custodian)***EveryoneQualifying Individuals (see your tax advisor)
Minimum Opening Deposit$50$50$50$5$50
Minimum Balance$200None NoneNoneNone
Monthly Fee If Balance Falls Below Minimum$3.00NoneNoneNoneNone
Free Withdrawals3 per month6 per month6 per monthWithdrawals Not PermittedNo Limit
Additional Withdrawal Fee$1.25 each **$1.25 each **$1.25 each **No Fee But Interest is creditedNone
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*UTMA is Uniform Transfer to Minors Act
** Additional withdrawal fees are waived if a minimum balance of $1,000 is maintained.
***Qualifying custodian is usually a parent or legal guardian.

Money Market Deposit Accounts

Money Market AccountPlatinum Money Market
Minimum To Open


Minimum Balance$1,500 Daily MinimumNone (on days balance falls below $25,000 no interest is earned)
WithdrawalsUnlimited In-Bank Access plus Check Writing Option *Unlimited In-Bank Access plus Check Writing Option *
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* No more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card, or similar transactions are permitted per month.