Central State Bank

Our Routing Number: 081221235
Our Routing Number: 081221235
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“We’re Central To Your Banking Needs.”

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Deposit Accounts

Deposit Accounts


Elevate Your Checking Experience

Step up your checking experience! Select the account that is best for YOU and see all of the benefits that come with a Central State Bank checking account!

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Passbook Savings

Rock Your Savings Account

  • Interest Bearing Account
  • $50.00 minimum opening deposit.
  • Six (6) withdrawal limit for each qualifying monthly cycle. $0.50 per item service charge in excess of the limit.
  • Must maintain $50.00 balance or will be subject to a monthly service charge.

Christmas Club Account

Are you looking for a better way to save for the holiday gift giving season? We have just the solution for you! Open a Christmas Club account with us today. With a variety of deposit options available, it’s easy to start saving. As an added bonus, at the end of the club account period (49 weeks) you will receive a one-time contribution to your account up to $75.00. Nothing says Merry Christmas like free money! Call your local branch and speak to a customer service representative today.


Individual Retirement Accounts

Central State Bank offers both Traditional and Roth IRA’s with terms of 12 to 60 months.

  • Funds become available starting at age 59 ½
  • Contributions may be tax deductible*
  • Offering Both Traditional and Roth
  • Terms from 12 months to 60 months

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Certificate of Deposit

Investment Plans With Flexible Rates and Maturities

Looking to earn a little more return on your savings? Whether you are looking for a short term investment or long term investment, we’ve got you covered. Check out our competitive rates on terms from 3 months – 60 months. Come see us to start your investing relationship today!

Money Market

A Safe and Convenient Way To Earn Interest

  • Interest Bearing Account (Tiered)
  • $2,500.00 minimum opening deposit.
  •  Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee.
  • Withdrawal limit of 6 per month cycle. Service Charge of $0.50 per item in excess of 6.

*Consult your tax advisor

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