Checking Accounts

Important Information about Procedures for Opening a New Account

Identification Procedures Requirements:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Personal Accounts

 PLATINUMCLASSICLEGACY (Available to 50+, Military, Policemen, Firefighters and Teachers)iCONNECT
Monthly SC$20.00$7.00$0.00$0.00
Minimum Balance to avoid Monthly SC$10,000.00$250.00$0.00$0.00
Interest EarnedAny Balance but Premium > $10,000Balances >$1,000Any Balance but Premium > $500No
Free Safe Deposit Box for 1 YearYesYesYes + 25% off 2nd year onwardYes
Extra Fraud ProtectionYesYesYesYes
Free e-StatementsYesYesYesYes
Paper Statement charge per month$0.00$2.50$0.00$2.50
Unlimited Foreign ATM RefundsYesYesYesYes
Free Debit Card for each signer on accountYesYesYesYes
Pop Money service availableYesYesYesYes
Free Checks2 boxes CSB Logo checks per yearNo2 boxes CSB Logo checks per yearNo--except for students with student ID (1st order free)
Applicable to all Cullman Savings Bank Checking Accounts:
  • Minimum to open any account at Cullman Savings Bank is $50.00

  • Online Banking, Bill Pay, Mobile Banking and Telephone Banking is free with any Cullman Savings Bank checking account

  • Mobile Deposit Capture

  • Personal Credit Cards available

  • ML Underwriting fee discount with any Cullman Savings Bank checking account opened over one year ($695 value)

  • Extra Fraud Protection and Debit Card Case Tracker are applied to all Cullman Savings Bank checking accounts

  • Free Notary and/or Signature Guarantee available for all Cullman Savings Bank checking accounts

  • Instant Issue EMV Chip Debit Card


Cullman Savings Bank offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Cullman Savings Bank. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

See Current Rates

*NSF fees charged according to our fee schedule