Never miss an electronic payment or transfer again. ACH Origination is an electronic Automatic Clearing House (ACH) transaction and is not considered a wire transfer.

What is ACH Origination?
ACH Origination is an electronic payment delivery system that allows the bank to originate and receive both debits and credits from participating financial institutions in the U.S.

Items that may be debited via ACH Origination include insurance premiums or utility payments.  Examples of items that may be credited via ACH Origination are payroll and Social Security.  ACH Origination is not intended for transfers that have variable amounts and dates. 

Report a LOST OR STOLEN ATM/DEBIT CARD call
1-800-535-8440 immediately.

Contact Cambridge State Bank as soon as possible to order a new card.  If your lost/stolen card was being used to make recurring payments remember to notify them with your new card information once you receive your replacement card. 

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Frequently Asked Questions

The American Bankers Association has several easy to use online financial calculators available.
View Calculators

Guaranteed funds  - $5.00 per check

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Instant Cash® ATM

Withdraw cash out of your checking or savings account using your ATM card

Available 24-hours a day, 365 days a year

Certain fees ay be imposed by cash machine owners and will be posted to your account

Fees will be disclosed at time of transaction.

Instant Cash & Check® Card

Worldwide acceptance
Safer than cash
Saves time - no check to fill out
No transaction fee from us when you use any ATM in the Instant Cash Services network
The card works just like a checkbook only it's faster, easier and more convenient than writing a check.
Purchases are automatically deducted from your checking account.
Details of your purchase will show up on your monthly statement and online.
The card works anywhere VISA DEBIT is accepted.
You can use the card to get cash at over 340,000 Instant Cash, Cirrus and VISA ATMS worldwide.

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Direct deposit is a safe and easy way to have money deposited directly into a checking or savings account. The most common use of direct deposit is your paycheck.  Direct deposits can be used for regular scheduled payments including:

Salary payments from your employer
Benefit checks from the federal government, such as social security, supplemental security income, civil service, railroad retirement and veterans payments.

It's easy to sign up for Direct Deposit. 
Ask us how today!

Social Security Direct Deposit Instructions:
Call 1-800-772-1213 weekdays from 7 a.m. to 7 p.m.
When you call make sure to have your social security number a personal check or account statement handy.

When it's time to place another check order, you can order online. 
Business Business Checks
Personal Reorder Your Personal Checks

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Medallion Signature Guarantee available to bank customers who intend to transfer or trade registered securities such as stocks, bonds, or mutual funds.

Required Information/Documents
One of the following forms of photo identification:

Driver's License
State ID
Military ID
Passport

Proof of legal ownership must be presented on an official document that reflects the owner(s) name and account number on the actual stock certificate or recent statement of account.

All owners of the security/asset must appear and endorse the document(s) in person at the same time. We also require the amount of the transaction (that can be found on the statement.)

Authorized guarantors can be found at both bank locations and no appointment is necessary.

Money orders can be issued up to $500
See fee schedule for applicable charge.

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Drops after 8 a.m. will not be credited until next business day.  Night drop is available at the Main Street and East branch locations.

Free notary service available to the public
Signatures are notarized to protect against document fraud, certify that the signature is genuine and was made willingly and freely.

Required Information/Documents
Document to be Notarized
One of the following forms of photo identification is required:

Driver's License
State ID
Military ID
Passport

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Our free online banking system is accessible anywhere in the world, as long as you have internet access.  Provides you with 24-hour access to your accounts. Enhanced online security login adds an additional layer of protection.

The American Bankers Association has several easy to use online financial calculators available.
View Calculators

Automatic Overdraft Transfer Protection will protect you from overdraft fees. Funds will be transferred when there are insufficient funds in your checking account to cover your checks.

Transfer amount will be a minimum of $25 or the exact amount of the overdraft if over $25. If the available balance in your account is less than $25 or not sufficient to cover the overdraft the available balance will be transferred.

Fee: $3.00 per transfer
Fee: $5.00 per transfer - Basic and Free Checking account.

Convert your good credit into cash.  This protection means that we have approved, in advance, a personal unsecured loan to balance your account if your should overdraw. 

A loan application and approval is required.

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The goal of the Cambridge State Bank and FamilyWize community service partnership is to reduce the cost of medicine for children, families and individuals with no prescription drug coverage by $100 million in five years.

Use this prescription drug discount card to start saving money on your prescription drugs today. Simply present your card and prescription to a participating pharmacy to obtain the discounted price.

You always receive the lower of the discounted price or pharmacy’s retail price.

Read more

NEW ANNUAL PURCHASE LIMIT FOR SAVINGS BONDS (2008)

The annual purchase limit applying to Series EE and I Savings Bonds is $5,000 (issue price) starting January 2008 for each series and Social Security Number. The limit applies to the first-named co-owner. The $5,000 limit applies to the primary owner of bonds issued in TreasuryDirect.

An individual can purchase up to $20,000 worth of bonds in one calendar year ($5,000 each of EE and I bonds in paper form, and $5,000 of each in a TreasuryDirect account).

Anyone who would like to purchase savings bonds and other Treasury securities through TreasuryDirect can set up an account at www.treasurydirect.gov There is no fee for opening a TreasuryDirect account or purchasing savings bonds and other securities.

I Bonds
Sold at face value and grow with inflation-protected earnings for up to 30 years. Affordable, invest from as little as $50 to as much as $30,000 per year.  Safe, I Bonds are backed by faith of the United States Government. Defer Federal taxes on earnings for up to 30 years and the I Bonds are exempt from state and local income taxes. Interest is compounded semiannually and can be turned into cash after six months.

Series EE Bonds

The purchase price of a bond is 50 percent of its face amount; for example a $100 bond costs $50. Bonds are available in $50, $75, $100, $200, $500, $1,000, $5,000 and $10,000 denominations. Bonds increase in value every month. The interest you earn on your Series EE bonds is exempt from State and local taxes. Defer Federal income tax until you redeem the bonds or they stop earning interest after 30 years. You can cash Series EE bonds any time after six months. There is a 3-month interest penalty if you redeem your bonds before five years.

For more detailed information, check out the website www.treasurydirect.gov or write to Bureau of the Public Debt, Savings Bond Operations Office, Parkersburg, WV 26106-1328.

Forgotten Bond Finder & Savings Bond Calculator

It's a new Treasury Department Web service that makes it simple for people to find out if they have matured savings bonds.   Customer Privacy is protected by encrypted communications and a follow-up process assures payment or information is disclosed only to the proper bond owners.  Click Here!

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Looking for a place to store your important documents or valuables?

Safe Deposit Boxes are available in a variety of sizes. Available space is limited and boxes will be offered on a first-come, first serve basis.

**Elite55 Checking Account customers can open a 3x5 box at Main Office free of charge (subject to availability).

*Drilling - $150.00
*Key replacement - $20.00

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Audio response service that allows you to perform account inquiries and transfers without the assistance of a bank representative.

Banking available 24-hours a day, seven days a week by phone.

Confirm the amount and date of your most recent checks or withdrawals (up to 10)
Confirm recent deposits
Verify the current balance and payoff amount and/or make a payment (applied as principal and interest payment only) on your CSB loan or Overdraft Line of Credit account.

General Instructions:
Call 1-800-362-5167
Enter your account number
Enter your Personal ID Number (PIN)

To obtain information regarding your accounts or loans. you must enter your CSB account or loan number. You may access information to only those accounts, which you are authorized.

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For safety, security and convenience while traveling consider Travelers Cheques.  It's safer than cash because you are able to replace them if they are lost or stolen, in most cases within 24 hours.

Cheques for Two
Cheques for Two have a convenient dual signature feature allowing either of you to purchase or use them.  So one can go sightseeing while the other relaxes.
Either of you can use or purchase them.
Offers same benefits of traditional travel cheques.
Available in US dollars only.

See fee schedule for applicable charges.

*Elite55 accountholders fee waived

Customers and Non-customers can purchase a gift card for any occasion and have the bank load it with a dollar amount from $25 to $500.  The cost is just $2.00 each.

Visa Gift Cards are used like debit cards with two exceptions: The cards can not be used at an ATM because they are not PIN based and they can not be used at pay-at-the-pump gas stations.

Purchases can be made online, over the phone or by mail. 

Gift card balances can be tracked on a website by you with unlimited balance inquiries; or by telephone to an automated service. You are allowed two free live-agent calls per month; thereafter each call is $.50.

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Wire transfers electronically transfer funds between Cambridge State Bank and an eligible institution within the U.S.  

International wire transfers electronically transfer funds from one financial institution to another institution outside the U.S.

Wire Fees: $15.00 In/Out
Wire Fees Foreign: $35.00 In/Out

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