Check Book and Pen


Checking accounts to meet your every need!

The Community State  Bank offers personal checking accounts to meet your every need and fit your individual style. From simple to complex financial requirements, our checking accounts offer the features you need for the way you like to bank.
Our knowledgeable and friendly bankers will work with you to make sure all your needs are met so you can spend less time worrying about finances and more time enjoying life.
$3.00 monthly service charge or $0 if electing E-Statements

*A dormant service charge of $2.00 per month may be assessed for any account having no activity for a period of 3 years.
$3.00 monthly service charge or $0 if electing E-Statements

On teen ownership accounts the following exclusions apply: No Payable On Death (POD) beneficiary may be named and no authorized signer.  The minor may open an account with signed indemnification agreement from an adult.

*A dormant service charge of $2.00 per month may be assessed for any account having no activity for a period of 3 years.

**After turning 18, this account will automatically be converted to an E-Z Checking account.  If the customer wishes for the account to be converted to a different product, he/she can contact the bank to change the type.

***Bounce Protection will be ineligible on accounts with a minor.

No Service Charge

*A dormant service charge of $2.00 per month may be assessed for any account having no activity for a period of 3 years.

No Service Charge
This interest checking account pays you 1.00% APY* each monthly qualification cycle with no monthly fees or minimum balance requirements. We even refund ATM fees nationwide up to $25.

Accounts not meeting the qualifications for 3 consecutive statement cycles may be converted to E-Z Checking and may be subject to a service charge.

1.00% Annual Percentage Yield (APY) paid on balances between one penny and $25,000.00.  0.15% APY on all amounts above $25,000.00. Qualifications must be met each cycle to receive the disclosed APY (first cycle APY will be prorated on the number of days the account is opened).
    • If you do not meet the qualifications per cycle, your account will still function as a free checking account earning a base rate of 0.05% APY; however, it will not receive ATM fee refunds for that time period.
    • We may change the interest rate and APY at any time after the account is opened.
    • No minimum balance is required; however, you must deposit $150.00 to open this account.
    • Available to personal accounts only (one per individual).
Reward Rate Qualifications must be met per cycle in order to earn current APY:
    • Make 10 Debit Card purchases (minimum $3.00 each).
    • Set up 1 Direct Deposit or ACH auto debit from your account.
    • Enroll and receive E-Statements (must maintain an active Online Banking ID to receive E-Statements).
*A dormant service charge of $2.00 per month may be assessed for any account having no activity for a period of 3 years.
Rates may change after the account is opened. Service charges may reduce earnings.
Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly qualification cycle. 
** Transactions less than $3.00 each will not be considered for purposes of meeting your 10 debit card transactions per rewards cycle.
$10.00 monthly service charge if balance falls below $1,500.00*

*A dormant service charge of $2.00 per month may be assessed for any account having no activity for a period of 3 years. 
E-Z checking customers can enjoy these benefits for $10.00 per month. For Vintage 55 customers, it is only $5.00 per month.

Benefits Include:
  • Telemedicine- Now visiting the doctor is easier, faster, and safer than ever. Avoid waiting rooms with other sick patients and the inconvenience of going to the doctor's office. Visit a doctor by phone, secure video, or on phone app at anytime for $0 per visit.
      • U.S. board-certified doctors with an average of 15 years of experience.
      • Consultations are convenient, private, and secure.
      • Prescriptions can be sent to your nearest pharmacy, if medically necessary. 
Registration and activation required to have Telemedicine, which is provided by Lyric. To register please visit *This is NOT insurance. 
  • Cell Phone Insurance- This service will reimburse the enrolled accountholder for the damage to or theft of eligible cellular wireless telephones up to $600.00 per claim. Coverage is subject to a $50.00 co-payment per claim and a maximum of 2 claims per 12 month period. Other details are in the description of coverage.
    • Additional Features:
      • First 5 lines listed on cellular phone bill covered
      • Payment for the cellular phone bill must come from the account with Club Benefits
      • Coverage will be shared on joint accounts

  • Roadside Assistance- Whenever you travel, you’ll like the secure feeling that you are protected by the Nation Safe Drivers Auto Club.  NSD provides real peace-of-mind with the best service and protection available anywhere.  Coverage includes towing up to 15 miles, roadside assistance, delivery of supplies, tire service, battery service, and lockout service - 24 hours a day, 7 days a week. This coverage is for one member on an individual account, and any two members on a joint account.  Maximum of three claims per account, per year.  Additional charges may apply for delivery of supplies or towing over 15 miles.  *Nation Safe Drivers may operate in various states as Nation Motor Club, LLC or Nation Safe Drivers Services, Inc.

  • $20,000 Accidental Death & Dismemberment Insurance Plus $1,500 Dependent Children- Coverage is provided immediately at no additional charge.  Coverage is split equally between authorized signers. 
    • Additional Coverage:
      • Coma
      • Bereavement and Trauma Counseling
      • Emergency Medical Expense Guarantee
      • Rehabilitation
      • Repatriation of Remains
      • Seatbelt and Airbag
      • Travel Assistance

  • Cyber Scout – If you become a victim of identity theft, call the toll free number  on your TCSB Club Benefits card. You will be assigned a highly qualified personal advocate who is the single source of contact in helping you resolve your problem from start to finish.  You save time, avoid frustration, and the problem gets corrected with the help of an expert.  For valuable information about ID theft updates, visit our website:

  • Lux Benefits
  • Bill Pay Prime: Pay your bills 24 hours a day, 7 days a week
  • Personalized Checks 
  • Official Checks - No charge
  • Money Orders - No charge
If you have questions, please do not hesitate to call a customer service representative at 918-647-8101.

All insurance products are not FDIC insured. 

*A dormant service charge of $2.00 per month may be assessed for any account having no activity for a period of 3 years. 

FDIC Insurance coverage:
$250,000.00 per depositor, per insured bank. this includes principal and accrued interest up to a total of $250,000.00