An earnings credit, based on a competitive rate of the average daily balance, is applied each statement cycle to offset applicable service charges during a statement cycle. This earnings credit cannot exceed the amount of service charges.

Our FREE* Business Checking features include:

  • No monthly minimum balance requirement
  • No monthly minimum service charge
  • 50 deposit items free
  • 25 check/debit items free
  • 5 ACH debits/credits free
  • Free Online Banking
  • Free myBillPay Service
  • Monthly statements
  • Images available with e-statements
  • Free company debit card
  • Competitive earnings credit

Common Fees & Service Charges

Non-sufficient Funds (NSF) ACH or Check Returned (each) $25.00
Overdraft (NSF) – ACH or Check Paid $35.00
Deposited Item Returned (each) $10.00
Collection Item (each) $15.00
Account Histories $2.00
Incoming U.S. Wire Transfers (each) $5.00
Outgoing U.S. Wire Transfers (each) $10.00
Statement Copy (each) $2.00
Stop Payment (each) $15.00
Cashier’s Check (each) $5.00
Photocopy of a Cashier’s Check at time of purchase (each) $0.50
Paper Statement with images included $5.00
Night Deposit Bag Key Replacement $5.00
Replacement fee for a lost Clay County Savings Bank Visa Debit Card $10.00
Each transaction at ATMs not owned or operated by CCSB (except those identified by the Privileged Status© or Presto! symbols $1.00
Transaction fee for international ATM and Debit Card transactions where the merchant’s country is no the U.S. (internet transactions may apply) 1.25%

* Certain restrictions apply. Monthly activity over the maximum of 50 deposit items and 25 checks/debits will be assessed a $0.10 per item fee. Monthly ACH items more than 5 will be assessed a $0.15 per item fee. Imaged checks returned with a paper statement will cost $5.00 per month.