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Financial Calculators

Use our financial calculators to help you determine your cash needs for your next purchase.

Business Accounts

Small Business Account

Minimum deposit to open       None
Minimum daily balance to avoid minimum balance fee during the monthly statement cycle. $2,500.00
Minimum balance fee imposed every statement cycle unless you maintain the minimum balance. $10.00
Excess withdrawal fee (more than 150 combined items per monthly statement cycle) $ .50 each

Small Business Now Account

(Only available to Sole Proprietorships or other eligible companies as specified by regulation.)

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Minimum deposit to open $800.00
Minimum daily balance to avoid minimum balance fee during the monthly statement cycle. $2,500.00
Minimum balance fee imposed every statement cycle unless you maintain the minimum balance. $15.00
Excess withdrawal fee (more than 150 combined items per monthly statement cycle) $ .50 each

Commercial Analysis Checking Account

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Minimum deposit to open   None

**For fees associated with account activity, see COMMERCIAL ACCOUNT ANALYSIS FEES.

Commercial Analysis Now Account

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(Only available to Sole Proprietorships or other eligible companies as specified by regulation.)

Minimum deposit to open   $800.00

**For fees associated with account activity, see COMMERCIAL ACCOUNT ANALYSIS FEES.

**COMMERCIAL ACCOUNT ANALYSIS FEES

Account Maintenance (per month) $10.00
Items Deposited Returned $  2.50
Currency Furnished (per strap) $    .25
Coin Furnished (per roll)   $    .10
Deposits Credited $    .25
Checks/Debits Paid $    .10
Items Deposited $    .04
Collection Drafts $  5.00
Extra Statements $  2.00
In Bank Transfers $  2.00
Account Interest  Amount of Interest Paid
Wire Transfer (incoming)  $  5.00
Wire Transfer (outgoing)  $15.00
Vault Currency & Coin Processing (per hour) $15.00

Commercial accounts incur service charges on the basis of account analysis.  This method of evaluation enables you to monitor the cost of banking services you have used and to offset that cost by maintaining sufficient balances in your account.  An earnings credit rate, which varies monthly, is used to determine the volume of bank services your balances can buy without being assessed an activity charge.  Under Castroville State Bank’s account analysis system, there is no activity charge if the investable balance in your account is adequate to cover the cost of servicing the account.  Please contact your account officer if you have any questions about account analysis.

Money Market Demand Account

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Minimum deposit to open $1,500.00
Minimum daily balance to avoid minimum balance fee during the monthly statement cycle. $1,500.00
Minimum balance fee imposed every statement cycle unless you maintain the  minimum balance. $10.00
Excess withdrawal fee (more than six checks, drafts, preauthorized, automatic, debit card or similar transactions per monthly statement cycle)
Fees could reduce the earnings on the account.
$10.00
each