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Banking Services |
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Commercial Banking
If you own a business and write a lot of checks during the month, you will appreciate the time-saving aspect of our image statements. Instead of burying yourself in canceled checks, you'll receive pages with images of the checks you've written and the deposits you've made, already arranged in check number order. These image statements are designed to fit in a binder we will provide for you at no cost. High-volume check writers also have the option of receiving a CD rom with all the check images for the month as well as the statement information in a form that will download easily into Quicken, Microsoft Money, or other financial software.
We offer night deposit bags, wire transfers, and employer tax payments for our commercial customers. In addition, we're open Saturday mornings and that's a service our business customers appreciate.
If your business is growing, our loan department is ready to talk expansion. We're interested in seeing you succeed because whatever is good for our customers is good for our community. And we think our commitment to the community is one of our greatest strengths.
Commercial Cash Management
Our Cash Management feature allows our business customers to manage their company's financial holdings 24 hours a day, 7 days a week from any personal computer with internet access. Available options include:
· Access your accounts
· Setting up multiple users within your business, each with their own specific access rights.
· Transfer funds between accounts (some restrictions may apply)
· ACH origination for payroll, vendor payments, membership dues, etc.
· Pay bills
If you would like information on enrolling in Carterville State and Savings Bank Cash Management System, please inquire at our main facility at 1001 South Division Street, Carterville, IL 62918. We can explain the monthly fees and enrollment process. If you are a business customer who does not require wire transfers, ACH origination, etc., our regular Internet Banking may be all you'll need.
Customer service is our specialty. You'll find help in choosing from the 7 different types of checking accounts we offer. Students, young families, business people and senior citizens will all find just the right type of account for them. A checking account can be opened with as little as $50.00 and each depositor is insured by FDIC up to $100,000.00.
 Visa Check Cards and ATM cards are available for most of our accounts, allowing you to carry less cash while still having access to your money anywhere the Visa logo is displayed.
Our savings accounts can get you off to a good start in the right direction. Passbook, statement savings, Christmas and Vacation Clubs are all good ways to reach your goals. Member FDIC.
Our certificates of deposit are available in amounts as low as $1000.00 for 12, 18, 24, 30 and 36 months, and $2500 for 3 or 6 months. We can send you your interest by check, deposit it into your Carterville State and Savings checking or savings account, or just let it compound. And we can help you keep an eye on the future by planning for retirement with an IRA.
Our loan department stands ready to help you improve your standard of living. Whether you're in the market for a new car, money to remodel your home, or you just need some cash for an unexpected expense, you'll find us eager to listen and ready to help. Equal housing lender.
Online Banking and Bills Statement
At Carterville State and Savings Bank, we strive to make all of your banking experiences with us the most rewarding and satisfying available. In order to accomplish this, we provide our customers with the highest level of customer service and convenience by continuing to utilize the latest innovations and technology. The use of such technology, however, can raise concerns about the confidentiality of customer information. Carterville State and Savings Bank takes every precaution to protect our customer's privacy, including the careful development of our privacy policy.
Privacy Concerns of Our Customers (back to top)
Carterville State and Savings Bank cares about each and every customer. We understand the importance of maintaining confidential information. We have strict policies and procedures in place to protect your information against disclosure to unauthorized persons.
Use, Collection, and Retention of Customer Information (back to top)
Carterville State and Savings Bank will only utilize customer information for lawful business purposes. Whether customer information is obtained directly from you, or is generated during the course of our business relationship, it will remain confidential and will not be used, collected, or retained unless Carterville State and Savings Bank has a legitimate business purpose to do so.
Maintaining Accurate Customer Information (back to top)
Maintaining accurate information is essential to protect the integrity of our customers' records. Carterville State and Savings Bank takes precautions, in accordance with reasonable commercial standards, to ensure information is current and complete. If we are made aware of any inaccurate information, we have procedures in place to correct this information in a timely manner.
Restricted Access to Confidential Information (back to top)
Carterville State and Savings Bank takes your privacy expectations seriously. We even limit the availability of your information to Carterville State and Savings Bank employees. Employees may only access your information for legitimate business purposes. Each employee has also been made aware of their responsibility to respect your privacy concerns and to safeguard your personal information. Furthermore, as technology becomes more advanced, we will continue to evaluate its security standards to protect customer information from being accessed by unauthorized persons.
Disclosure of Customer Account Information (back to top)
To best serve our customers, it may be necessary for information to be accessible throughout Carterville State and Savings Bank and its affiliates. Consequently, some customer information may be shared with our affiliates. Information from credit bureau reports, however, will not be shared except to the limited extent permitted for non-credit bureaus by the Fair Credit Reporting Act.
In some instances, it may also be necessary to exchange information with reputable information reporting agencies in order to maximize the accuracy and security of your personal information. In general, however, we will not reveal any account information or other personally identifiable information to a third party not affiliated with Carterville State and Savings Bank, unless one of the following applies:
· The information is required in order to facilitate a transaction that was initiated by a customer
· The customer requests the disclosure of information; or
· The disclosure is required or allowed by law.
CARTERVILLE STATE AND SAVINGS BANK'S PRIVACY POLICY IS SUBJECT TO CHANGE WITHOUT NOTICE. NO PROVISIONS CONTAINED HEREIN SHALL BE DETERMINED TO CHANGE OR ALTER ANY OTHER CONTRACTS OR POLICIES BETWEEN CARTERVILLE STATE AND SAVINGS BANK AND ITS CUSTOMERS.
Online Access User Agreement (back to top)
This user agreement ("Agreement") is provided by Carterville State and Savings Bank to govern the use of Carterville State and Savings Bank Internet Banking services. Services provided by Carterville State and Savings Bank Internet Banking are additionally governed by any other separate agreement(s) you may have with Carterville State and Savings Bank or any of its affiliates or subsidiaries, including but not limited to, the Rules and Regulations of the Bank, any loan agreements, and any amendments or changes made to this Agreement.
By using Carterville State and Savings Bank Internet Banking, you agree to be bound by the terms and conditions contained in this Agreement.
The following definitions apply to the terms contained in this Agreement:
"Business Day" is defined as Monday through Friday, from 8:30 AM - 4:00 PM CST., excluding the Federal Holidays or as otherwise posted in the Banking Centers. Any transactions occurring after 2:00 PM may not be applied until the next business day.
"You" and "Your" shall mean the person, persons or entities in whose name the account is carried on the books of Carterville State and Savings Bank and shall include the masculine, feminine, and neuter genders and the plural as well as the singular wherever the context so permits.
"Us" "Our" and "We" shall mean Carterville State and Savings Bank and all of its affiliates and subsidiaries.
User Guide (back to top)
Carterville State and Savings Bank Internet Banking User Guide details how to operate Carterville State and Savings Bank Internet Banking system. As a part of this Agreement, you agree to become familiar with the information contained in the User Guide prior to using Carterville State and Savings Bank Internet Banking service. The Internet Banking User Guide may be reviewed online and may also be accessed during your online banking session by clicking the Help button. All information contained in the User Guide and any updates to it are part of this Agreement.
Services (back to top)
Carterville State and Savings Bank Internet Banking allows Carterville State and Savings Bank customers to access information for and initiate transactions from their Carterville State and Savings Bank accounts. Such services include but are not limited to the following:
· View account information for checking, savings, certificate of deposit, and loan accounts.
· Transfer funds between linked Carterville State and Savings Bank accounts.
· Schedule payments to non-Carterville State and Savings Bank merchants in the United States.
· Modify/Cancel payments scheduled in advance.
· Report account problems, request information, or order changes to account information or services via a secured communication channel.
· By directing Carterville State and Savings Bank Internet Banking to transfer funds or initiate a payment, you authorize Carterville State and Savings Bank to withdraw from the designated account the amount of funds required to complete the assigned transaction. You regard instructions to change existing account information or services, and other communication received via Carterville State and Savings Bank Internet Banking as legal endorsements. As such, all correspondence initiated via Carterville State and Savings Bank Internet Banking shall command the legal authority of a written request authorized by your signature.
Customer Service (back to top)
You may contact Carterville State and Savings Bank by calling 1-618-985-4848. Customer Service Professionals are available to assist you Monday through Friday 8:30 AM – 4:30 PM CST.
Customer Service Professionals may provide assistance only within the guidelines set forth by Carterville State and Savings Bank and as required by law. Customer Service Professionals are not authorized to negotiate any of the terms of this agreement.
Electronic mail outside of Carterville State and Savings Bank Internet Banking service should be addressed to email@cssbonline.com. Please note, however, that messages sent via your personal e-mail may be intercepted by third parties and are not protected by Carterville State and Savings Bank. Personal e-mail should not be used to communicate sensitive account information.
The same encryption process used to secure your account information secures messages sent via Carterville State and Savings Bank Internet Banking. The Contact Us feature provided by Carterville State and Savings Bank Internet Banking may be used to transmit confidential account information to Carterville State and Savings Bank.
Carterville State and Savings Bank is responsible for making reasonable efforts to fulfill only those account requests actually received via Carterville State and Savings Bank Internet Banking. Carterville State and Savings Bank may not be held accountable for any loss resulting from the delay or failure to transmit a message via Carterville State and Savings Bank Internet Banking arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.
Fees (back to top)
Transfers between your accounts are free. Bill Pay Service is offered at no charge for unlimited payments each month.
General Disclaimer (back to top)
Carterville State and Savings Bank hereby disclaims any warranties, endorsement or representations, express or implied, related to any product, service, advertisement or other information contained herein. This includes any content contained, distributed, linked or downloaded from the site. Any products or services from this site are to be used at your own risk, with no obligations or liabilities by Carterville State and Savings Bank. Any exceptions to this general disclaimer would be outlined within any applicable Service Agreement. Carterville State and Savings Bank also does not guarantee the quality of any product or displayed materials that are purchased or used by you as a result of an advertisement to which you respond. It will be within the sole discretion of Carterville State and Savings Bank to correct any errors or to omit any portion of the services, products or materials contained herein.
Copyright Information (back to top)
All logos, service marks, trade names and trademarks contained within this site are the sole property of Carterville State and Savings Bank. It is prohibited for anyone to use such trademarks without the written consent of Carterville State and Savings Bank. This site may also contain such logos and trademarks of some third party, in which case it is also prohibited to use these marks without consent.
The content contained in this site is protected by copyright law. It is prohibited for users to display, distribute, publish, sell, transmit, license, create derivative works or to use any content that is contained within Carterville State and Savings Bank's Web site for any purpose whatsoever. Any unauthorized use of this information may be punishable by law.
If you are not an authorized online banking user or if you do not consent to continued monitoring of activity on the system, please exit the system now.
Frequently Asked Questions (FAQ) (back to top)
Frequently Asked Questions (FAQ) How current is the information provided online? Our Internet and ATM banking provides account information which is updated at least two (2) times each business day. Transactions completed after 2:00 PM may not be reflected until the next business day. Transactions performed electronically (i.e. via ATM) may not be reflected immediately in the available balance information for your checking and savings accounts. Payments made to your Carterville State and Savings Bank loan accounts will be reflected on the following business day. Transactions completed non-electronically (i.e. via bank teller), however, are posted to your account at the end of each business day. This information may not appear online until the following business day.
How much past account information can I view? Up to 12 months of information for your Carterville State and Savings Bank mortgage loan, installment loan, or commercial loan accounts. Checking and savings account information includes activity appearing on your last mailed statement plus any current activity.
Can I use the same PIN that I currently use with my Debit/ATM card? Absolutely. For security reasons, however, you should not share this information with anyone. If you wish to have a different Personal Identification Number (PIN) for Online Banking, you may create a separate Internet Banking PIN as your password for Carterville State and Savings Bank Internet Banking. If you maintain separate PINs, your ATM PIN will be used for ATM and Point of Sale transactions only. Otherwise, you can use your current ATM PIN for all your transactions, including ATM, Point of Sale, and Internet Banking.
Are there any times when Internet Banking services may not be available? Online Banking is scheduled to receive regular system maintenance between the hours of 5:00 a.m. to 7:00 a.m. Wednesday. You may experience technical difficulties if you attempt to access your accounts during the maintenance period; if so, please sign on to your accounts at a later time.
If I report my Debit/ATM card stolen, can I still access my accounts via the Internet? If your card is reported stolen, you may request a replacement card from Carterville State and Savings Bank. Your Internet Banking access would remain unchanged unless you request otherwise. If you are using your ATM PIN as your password for Internet Banking, we recommend changing your Internet password immediately if your card is lost or stolen.
Can I use my browser's Back or Refresh buttons? Please use the navigation provided within Carterville State and Savings Bank Internet Banking to navigate between accounts and pages. Using the Back or Refresh buttons may cause errors to occur during your banking session.
How do I know that my banking session is being protected by encryption? Both Netscape's Navigator and Microsoft's Internet Explorer offer visual assurance that your banking session is protected. When in an encrypted session, Netscape's Navigator, equipped with 128-bit encryption, will display a double-tooth key in the lower left corner of your monitor. A single-tooth key is displayed for Netscape browsers equipped with 40-bit encryption. Netscape Navigator, version 4.04, will display a lock at the bottom of your screen. Similarly, Microsoft's Internet Explorer will make visible a closed padlock in the lower right corner of your monitor. Generally, when not in a secure session, the key image will appear broken and the padlock will look open. Please note, however, that some browser versions may not display a symbol when viewing an unencrypted page. As a general Web site usage matter, Carterville State and Savings Bank recommends that you use Microsoft Internet Explorer browser version 4.01 SP2 or later. For additional information, please refer to the Microsoft Web site http://support.microsoft.com. Please note Microsoft may require that you first complete an Online Profile form prior to accessing the support articles. Any information you provide to Microsoft Corporation is not required by Carterville State and Savings Bank and may not be used in a manner consistent with our Privacy Policy. Please contact Microsoft Corporation directly to inquire about the privacy of your information. Checking for Security: To determine the security of a Web page, click inside the page with the right mouse button, click Properties on the menu that appears, and then click Certificates. A web page that is on a secure server will display the security information for the specific site in the Certificate information box. Which browser do you recommend? We recommend use of Microsoft's Internet Explorer 5.0 or later because it supports the imagery of the bank statements online. All the same account information will be visible in Netscape, but the statement background will not appear as familiar to our customers.
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