F.A.Q.s

What are your hours?

Lobby:
Monday - Thursday    8:30am – 4:00pm
Friday    8:30am – 6:00pm
Saturday    8:30am – 12:00pm
Drive-thru
Monday – Friday    8:00am – 6:00pm
Saturday    8:00am – 12:00pm

Where are you located?

425 Main Street
Caldwell, OH 43724
(740) 732-5678

Are deposits insured?

Customer deposits are insured up to the maximum amounts permitted by the Federal Deposit Insurance Corporation. In general, each depositor is insured up to $250,000, however, balances in different account types are often insured separately, allowing families to keep a large amount of their savings at one bank.

How can we reach you?

You can reach us by sending us a message through the contact us link on this web site, calling us at 740.732.5678, or toll free at 1.800.837.5679.

Does Community Savings sell or distribute customer information to third parties or other affiliates?

No we do not. Community Savings has a policy of not providing our customers' information to any affiliated or non-affiliated third parties. Our complete privacy policy can be found on this site.

Does the bank have special privileges for customers over fifty-five?

Yes we do! Customers 55 and over receive free checks.

How can I apply for an account?

You can submit an application for any of our deposit or loan products in person at our main office located in Caldwell, Ohio. One of our customer service representatives will be happy to assist with your application. 

What balance is required to receive free checking?

With your MyChoice Checking account, minimum balances are not required to receive free checking. Regardless of your balance, there are no minimum balance charges, per item fees, teller fees, or other nuisance charges.

What is the penalty if I redeem my certificate of deposit before maturity?

For three-month CDs the penalty is one month’s interest.  CDs from six-months to one-year incur a three month interest penalty.  All CDs greater than twelve months carry a six-month interest penalty. Penalties are waived for emergency medical needs.

Does the bank offer a debit (check) card?

Yes we do!  We offer a Visa Debit Card with all of our personal checking accounts. The card is accepted anywhere Visa is accepted and at Automated Teller Machines around the world. There are no Community Savings usage fees associated with this card.

Where is the bank’s ATM?

Our ATM is located at our very convenient office location, 425 Main Street, Caldwell, Ohio.

How do I report a lost or stolen ATM or Debit card?

To report a card lost or stolen, please call 1-800-528-2273.

Does the bank offer Individual Retirement Accounts?

Yes we do!  Community Savings offers a high-rate certificate of deposit IRA.