CBS Bank
CBSBank is serious where it counts — your money — and relaxed everywhere else. Ever get that drowsy feeling just walking into your bank lobby? Us too. So we're doing something about it, one honest conversation at a time, without the corporate stiffness or sleepy atmosphere.
Get in Touch
CB&S Bank
How would you convince a skeptic that CB&S Bank isn't like all the others?
Simple. Most banks treat you like a transaction. CB&S Bank treats you like a person. While other banks automate everything and hide behind phone trees, CB&S Bank puts real locals in front of you — people who live in your community, know your name, and can actually make decisions. Whether you need to save, borrow, or grow, they build solutions around your life, not some corporate template.
Why should I bother switching my accounts?
Because you deserve better than being on hold for 45 minutes. CB&S Bank gives you all the modern stuff — mobile deposits, online bill pay, instant transfers — PLUS real humans who answer the phone in under two minutes. When something goes wrong, you talk to someone local who can actually fix it, not someone reading a script in a call center three states away. That's the difference, and it's huge.
What can I actually do here without pulling my hair out?
Everything normal people need. Open an account in five minutes online. Deposit checks from your couch. Pay bills with two clicks. Apply for a mortgage or business loan without printing a single document. Check balances, transfer money, lock your debit card if you lose it — all from your phone. No finance degree required. No confusing forms. Just banking that doesn't make your life harder.
Is my money really safe with a smaller bank?
100%. FDIC insurance covers every dollar up to $250,000 per account — same as any big bank. That's federal government backing, not a marketing line. Plus bank-level encryption, 24/7 fraud monitoring, and multi-factor authentication. Your money is locked down tight. They just treat you better while keeping it safe.
What if I'm clueless about money and don't know where to start?
Perfect — you're exactly who they built this bank for. No finance degree required. No judgment. Account options explained in plain English. No hidden fees waiting to trip you up. When you call with questions, someone actually listens and helps without making you feel stupid. Everyone starts somewhere, and they meet you right where you are.
Where is this bank headed?
More digital tools, faster service, better security — but never losing that local touch. They measure success by how many families buy homes and how many small businesses launch, not by how many fees they collect. That's the difference between a real bank and a faceless corporation.
Minimum deposit to open an account?
Almost nothing. Basic checking often opens with zero. Savings might ask for $25 or $50. Some accounts have no minimum at all. Start with what you have today.
Loan decision time?
1 to 3 business days. Sometimes same day for small loans. Local people making calls means no waiting for some distant committee.
Need to visit a branch?
Nope. App does almost everything. Branches are there if you want them, but you can go years without stepping foot in one.
Account options?
Full lineup: checking, savings, money market, CDs, business accounts, IRAs, trusts. Something for every stage of life.
Will my savings actually earn?
Yes. Competitive rates. Better than big banks that pay pennies. Your money actually works for you.
Talk to a human fast?
Call. Under two minutes. Real person. No phone trees. No robots. Just help.