Digital Banking: Not Just for the Big Banks

Many of us rely on digital banking services to make our lives easier, from saving trips to the bank and helping us track our spending, to letting us pay our bills on time, without a stamp, envelope, or check. You may expect that only larger, national banks have the latest features and security protections, but you can experience the same great online and mobile banking perks right at your community bank.

If you live in Northwest Arkansas or Southwest Missouri, you can get both dedicated, local service and advanced digital options for your personal, farm, and small business banking. Here’s a look at some of the digital banking features that CS Bank offers.

Individuals can enjoy a wide variety of digital banking products and features at CS Bank, saving you time and money.

Skip the hassle of mailing checks and never worry about another missed payment. With online bill pay, you can pay regular monthly bills (like your utility bills) from the convenience of our online banking portal (web) and mobile app (for phones and other smart devices). Simply log in and go to “Bill Pay” in the side menu, then select “New Payee,” complete the necessary information, and hit “Submit” to set up recurring monthly payments. For easy-to-follow instructions, check out our “How to Set Up Bill Pay” on our How To Videos page.

Whether you want to send a monetary gift to your niece, pay back your friend for dinner, or pay the babysitter, you can easily send person-to-person payments using your CS bank account, right through online and mobile banking. All you need to do is enroll in our secure CSB.ePay service through our online banking or mobile app. Simply log in to your account and click the “Bill Pay” link to access the short enrollment form and get started sending money without worrying about sending a check or carrying the right amount of cash. EPay isn’t just limited to personal payments—use this service to send payments to anyone with a bank account, including businesses!

Don’t have time for a trip to the branch? Deposit checks—as soon as you receive them—any time, any place. With mobile deposit, you can use our CS Bank mobile app to capture images of checks and deposit them, safely and securely, straight into your CS Bank Savings or Checking Account.

We know that security is important to our customers, and we strive to balance ease-of-access with advanced security features to keep your accounts safe. Our online banking login features two-factor authentication (2FA) to verify every login twice, ensuring that you—and only you—have access to your money.

The exact same monthly statements many banking customers receive in the mail are available, anytime, through our online and mobile banking. What’s more, you can easily check your most recent transactions, see pending transactions, and know your current balance, from the convenience of home or on the go.

Love using your phone to pay for items at checkout? Seen other customers do it and want to know how you can, too? Your CS Bank credit card and debit card is fully compatible with all major digital wallets, including Samsung Pay, Google Pay, and Apple Pay. Simply download the app from your app store, enter your card information, and use it to pay for purchases with a tap of your phone, quickly and securely, wherever digital payments are accepted! Learn more about the benefits of using mobile wallets. 

Digital wallets aren’t the only way you can make contactless payments using your CS credit and bank accounts. With advanced chip technology, your CS Bank credit or debit card can pay for purchases with just a tap, wherever contactless payments are accepted. Just look for the contactless payment logo on the back of your card and wherever in-person payments are accepted. For easy-to-follow instructions, check out our “How to Use Your CS Bank Contactless Debit Card” on our How To Videos page.
Travel Notices with CS Bank Card Manager App

With our Card Manager App, you never have to worry about your card getting declined when you travel. Quickly set up travel notices by logging into the app, selecting “Manage Travel Notices” from the menu, then adding a new trip. For easy-to-follow instructions, check out our “How To Set Up Travel Notices From CS Bank Card Manager” on our How To Videos page.

Sometimes you have a pressing question and aren’t able to make a phone call. With our live chat feature, you can chat with an actual, local CS Bank employee, right through our Mobile App, receiving quick answers to your banking questions, no matter where you are. Bank branch already closed? Our live chat features extended hours on weekdays and Saturdays.

Many people turn to big banks for the ease of applying for loans or opening accounts online. Did you know that CS Bank offers the same convenience, backed up by our award-winning local service? You can apply for your home loan, or open a Kasasa Checking Account or Savings Account online, from the comfort of your home.

Just launched, our personal financial management tool, CSB Insights, is accessible through your current digital banking experience. CSB Insights allows you to view your spending by category, create and manage a monthly budget, create a cashflow calendar, set financial goals, and, when integrated with your other financial accounts, even view a snapshot of your current net worth.

Not just for personal use, our digital banking tools are available to help small businesses throughout Northwest Arkansas and Southwest Missouri.

With CSB.BizPay, you can pay your vendors, utilities, other bills, and even individuals (P2P and direct deposit) online. Set up recurring payments, manage your cashflow, and pay invoices right through your online banking portal. To learn more about BizPay, visit our Business eServices page.

You can not only get free and quick delivery of your monthly statements online with eStatements, when you log into your online banking or mobile banking app, you can see your most recent transactions and current balance in real time, allowing you to better stay on top of your finances and manage your cashflow. To learn more about eStatements, visit our Business eServices page.

Our Cash Management Services provide many ways to effectively organize and oversee your business’s finances and transactions. Export your transactions into spreadsheets or your preferred financial program, view 18 months of bank statements and tax reporting information, transfer funds, pay loans, deposit and view checks, and even pay your employees with ACH Origination.

Deposit checks from the office—saving trips to the bank and reducing the risk of lost or stolen checks. Simply scan and upload images through your online business banking account. You can deposit your checks any time, day or night, with checks deposited before 5 PM on bank business days receiving same day credit. To learn more, visit our Business Remote Deposit Capture page.

Looking for an easy and professional way to bill your customers? With Autobooks, you can send professional invoices directly to your customers, track invoices, and receive payments right into your CS Bank account. Autobooks is available through your computer, as well as your mobile device—use it as your go-to mobile POS system. To learn more about all you can do with Autobooks, visit our Autobooks page.

Need a point-of-sales system for your brick and mortar or online business? While many small business owners assume you need to work with a national POS service provider, rest-assured that your local bank can serve all your POS needs. Accept credit and debit card, digital wallet, and gift card payments with ease, online or in person, with near-instant authorization times and fast funding. To learn more, visit our Merchant Services page.

Community banks like CS Bank can—and do—offer the same great digital services as large national banks, paired with trusted local service. Our personal Digital Banking experience offers robust online and mobile banking options through your computer or smartphone including online billpay, eStatements, P2P payments, and more. See how community banks stack up to FinTechs. 

Need digital solutions for your farm or small business? You can not only access your accounts online, anytime, anywhere with online and mobile banking for businesses, you can also accept payments, pay vendors and employees, and even generate professional, trackable invoices, right from your computer or smartphone.

When you switch to CS Bank, you can bank local and enjoy your favorite digital banking features. Call or visit one of our Arkansas and Missouri locations in Eureka Springs, Berryville, Harrison, Huntsville, Holiday Island, or Cassville to learn more about all we have to offer!