Description:

Student accounts are only avalible for students under 24 years of age. Students udner 19 in AL and 18 in MS will need a parent or guardian to open a checking account. To access CSB's mobile banking app and text banking you must be enrolled in online banking.

Minimum to Open:
$1.00
Minimum to Avoid Fees:
None
Monthly Service Charge:
None
Transaction Fees:
None
Interest:
None
Features:
  • Free Debit Card
  • Free Mobile Banking¹
  • Free Online Banking
  • Free Telephone Banking
  • Free Text Alerts¹
  • Free eStatements
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
Description:
Easy reward checking with cash back to you on debit card purchases.
Minimum to Open:
$50
Minimum to Avoid Fees:
None
Monthly Service Charge:
None
Transaction Fees:
None
Interest:
None
Features:
  • *ATM refunds greater than $4.99 require presentation of receipt. Must meet qualification criteria.
  • CSB Visa® Credit Card Available²
  • Free Debit Card
  • Free Mobile Banking¹
  • Free Online Banking
  • Free Online Bill Pay
  • Free Telephone Banking
  • Free Text Alerts¹
  • Unlimited ATM Fee Refunds Nationwide*
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
Description:
A great way to earn interest on your balance by doing the things you do every day.
Minimum to Open:
$50
Minimum to Avoid Fees:
None
Monthly Service Charge:
None
Transaction Fees:
None
Interest:
Earnings Credit
Features:
  • *ATM refunds greater than $4.99 require presentation of receipt. Must meet qualification criteria.
  • CSB Visa® Credit Card Available²
  • Free Debit Card
  • Free Mobile Banking¹
  • Free Online Banking
  • Free Telephone Banking
  • Free Text Alerts¹
  • Unlimited ATM Fee Refunds Nationwide*
  • Free Online Bill Pay
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
Description:

An account that offers the opportunity to offset charges with earnings credit.

Minimum to Open:
$100
Minimum to Avoid Fees:
None
Monthly Service Charge:
$8.00
Transaction Fees:
$.15 per check paid - $.15 per check collected (non-Community Spirit Bank) - $.15 per deposit
Interest:
Earnings Credit
Features:
  • Business Check Card Available
  • Free Online Banking
  • Free Online Bill Pay
  • Remote Deposit Available
  • Free Text Alerts*
  • Free TeleBanking
  • Free Mobile Banking*
  • Free eStatements
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
Description:

For businesses with a low volume of bank transactions ...easy to understand and lots of value!

Minimum to Open:
$100
Minimum to Avoid Fees:
$5,000 daily balance
Monthly Service Charge:
$7.00 if balance falls below $5,000
Transaction Fees:
First 30 debits are free; then $.10 each. First 20 deposits are free; then $.10 each. First 20 foreign checks free; then $.10 each
Interest:
None
Features:
  • Business Check Card Available
  • Free Text Alerts*
  • Remote Deposit Available
  • Free TeleBanking
  • Free Online Bill Pay
  • Free Online Banking
  • Free Mobile Banking*
  • Free eStatements
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
Description:
Maximize your hard-earned dollars.
Minimum to Open:
$1,000
Minimum to Avoid Fees:
$1,000
Monthly Service Charge:
$7 if balance falls below $1,000
Transaction Fees:
$.50 for each debit transaction over six during a monthly statement cycle
Interest:
Variable ***
Features:
  • CSB Visa® Credit Card Available²
  • Free Mobile Banking¹
  • Free Online Banking
  • Free Online Bill Pay
  • Free Telephone Banking
  • Free Text Alerts¹
  • Minimum withdrawal of $100
  • Free eStatements
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
N/A
Description:

A great option with higher earning power

Minimum to Open:
$10,000
Minimum to Avoid Fees:
$10,000
Monthly Service Charge:
$10 if balance falls below $10,000
Transaction Fees:
None
Interest:
Variable ***
Features:
  • CSB Visa® Credit Card Available²
  • Free Debit Card
  • Free Mobile Banking¹
  • Free Online Banking
  • Free Online Bill Pay
  • Free Telephone Banking
  • Free Text Alerts¹
  • Free eStatements
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
Unlimited
Description:

A checking account with special benefits for those 62 and older!

Minimum to Open:
$100
Minimum to Avoid Fees:
None
Monthly Service Charge:
None
Transaction Fees:
None
Interest:
None
Features:
  • CSB Visa® Credit Card Available²
  • Free Debit Card
  • Free Mobile Banking¹
  • Free Online Banking
  • Free Online Bill Pay
  • Free Telephone Banking
  • Free Text Alerts¹
  • Free Checks
  • Free eStatements
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
Unlimited
Description:

Our simplest account, designed for people who want economy and convenience!

Minimum to Open:
$50
Minimum to Avoid Fees:
None
Monthly Service Charge:
$3.00
Transaction Fees:
None
Interest:
N/A
Features:
  • CSB Visa® Credit Card Available²
  • Free Debit Card
  • Free Mobile Banking¹
  • Free Online Banking
  • Free Online Bill Pay
  • Free Telephone Banking
  • Free Text Alerts¹
  • Free eStatements
ATM Transactions at CSB-owned ATMs or any Shazam Network ATM:
Unlimited

Branch Locations

Red Bay:

Community Spirit Bank
200 4th Avenue SW
Red Bay, AL 35 582
(256) 356-4445

ATM Location:

Inside McDonald's
606 4TH Avenue SE
Red Bay, AL 35 582

Redmont:

Redmont Branch
1107 Fourth ST NW
Red Bay, AL 35 582
(256) 356-8724

Russellville:

Community Spirit Bank
14009 HWY 43
Russellville, AL 35 653
(256) 332-5315

Vina:

Community Spirit Bank
7141 Hwy. 19
Vina, AL 35 593
(256) 356-6947

Belmont:

Community Spirit Bank
342 Second Street
Belmont, MS 38 827
(662) 454-0001