Account Services

ACH Origination
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.

ATM/Debit Card Information

During Business Hours call:
763-689-2500 or 763-689-2501 

Lost or Stolen:

Card Activation VRU and PIN Change:

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.

For a list of surcharge free ATMs   Click Here>>

Cashier's Checks
Guaranteed funds.
Amounts over $500.00
See fee schedule for applicable charge. 
Return to top 

Cash Card(ATM Card) 

MoneyPass® 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 may be imposed by cash machine owners and will be posted to your account
  • Fees will be disclosed at time of transaction.
For a list of surcharge free ATMs Click Here>>

Return to top

Debit Card 

Visa® CheckCard

  • Worldwide acceptance
  • Safer than cash
  • Saves time - no check to fill out
  • No transaction fee from us when you use any ATM in the MoneyPass 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 MoneyPass, Cirrus, Fastbank and VISA ATMs worldwide.

Return to top 

Direct Deposit

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. 

Return to top

Deluxe Checks - Reorder
When it's time to place another check order, you can order online.

Return to top 

Money Orders

Money orders can be issued up to $500

See fee schedule for applicable charge. 

Return to top 

Night Drop

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. 

Return to top

Notary Public

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
One of the following forms of photo identification is required:

  • Driver's License
  • State ID
  • Military ID
  • Passport 

Return to top 

Online Banking 

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. 

Return to top

Overdraft Checking Protection

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. 

See fee schedule for applicable charge. 

Return to top

Overdraft Line of Credit Protection

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

*A loan application and approval is required. 

Return to top 

Savings Bonds

Effective June 17, 2021

Electronic Series EE and Series I Savings Bonds are available for purchase via TreasuryDirect. This secure, web-based system, operated by the Bureau of the Public Debt, has been used by investors since 2002 to purchase savings bonds online. 


Effective January 4, 2012 the annual purchase limit for online United States Savings Bonds is $10,000 per series. The new limit applies to Series EE and Series I savings bonds purchased through TreasuryDirect at Under the new rules, an individual can buy a maximum of $10,000 worth of electronic savings bonds of each series in a single calendar year, or a total of $20,000.  An investor still can purchase up to $5,000 annually in Series I paper savings bonds using his/her tax refund and IRS Form 8888.

Anyone who would like to purchase savings bonds and other Treasury securities through TreasuryDirect can set up an account at 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 $10,000 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 one year. 

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 one year. There is a 3-month interest penalty if you redeem your bonds before five years. 

For more detailed information, check out the website, by phone at 844-284-2676, email to  

Return to top 

Safe Deposit Boxes

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

Safe Deposit Boxes are available in a variety of sizes at both of our locations.

Available boxes will be offered on a first-come, first serve basis. 

**Elite55 Checking Account customers can open a 2x5 box at Main Office free of charge (subject to availability). 

Return to top 


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. All transactions performed by 6 p.m. CT M-F (excluding Holidays) will post same day. 

  • 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. 

Return to top 

Wire Transfers

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. 

See fee schedule for applicable charge.

Return to top