General Information

BANK OVERVIEW

Community State traces its roots to the Farmers & Miners Bank, founded in 1883 in Lucas. A group of investors purchased Farmers & Miners Bank in 1993 and moved the main office to its present location at Orchard Plaza on the north side of Indianola.

The bank, which was renamed at that time, continues to maintain a branch office in Lucas. The vision of the bank’s investors was to provide the depositors with a community-based and locally owned financial institution, and today’s staff shares in that vision.

The bank’s philosophy has been a successful one, as shown in its rapid growth. Deposits and loans have increased substantially since the move to Indianola. According to Keith Welling, President and CEO of the bank since 1993, “the growth happened because we aggressively went after the business.”

Loan demand continues to be strong and growth continues to be excellent in this area. “Our size enables us to work in direct partnership with loan applicants,” explained Welling. “Our strong correspondent banking relationships allow us to write substantial commercial and ag loans,” he said. In addition, the bank’s local ownership and management allows for decisions to be made quickly.

More evidence of the bank’s success and growth is found in the bank branches. The West Roads branch, located on the west side of Indianola on Highway 92, opened June 7, 2000, and provides bank customers another convenient Indianola location to conduct their business. On April 1, 2003, the bank’s Norwalk branch was opened on Highway 28 in the Legacy Golf Course building development.  Our focus on quality and customer service stands out once again as of June 1, 2007 when Community State Bank's newest branch was opened in Newton at 2506 1st Ave.

The bank remains very committed to serving the needs of Warren County and the surrounding area. “We’ll continue to grow here,” said Welling. “People and businesses want the kind of personalized relationship they have with Community State Bank.”

PRODUCTS

It’s our Privilege at Community State Bank to serve you with zero ATM surcharge fees.

Community State Bank is a member of SHAZAM’s “Privileged Status” member financial institutions. Privileged Status is a program within the SHAZAM network that allows customers of participating Privileged Status financial institutions use of the ATMs of other financial institutions with no surcharge fee.

As a Community State Bank customer, your ATM card or SHAZAM Chek Debit card can be used at any ATM displaying the SHAZAM “Privileged STATUS” logo with out any fear of a surcharge fee for using that ATM. “Privileged Status” ATMs are all over IOWA and in 22 other states. To locate the nearest “Privileged Status” ATM click on the “Privilege Status” logo.

Click Here to locate Nearest Privileged Status ATM

If you use your Community State Bank ATM card or debit card at an ATM that DOES NOT have the “Privileged Status” logo you can be surcharged for the following uses of that ATM:

• CASH WITHDRAWALS
• BALANCE INQUIRES
• DEPOSITS or TRANSFERS

The following is a list of transactions that CANNOT be surcharged;

• Purchases made with a Debit Card
• Point of Sale (POS) purchases with ATM or Debit Card
• Cash Back on POS purchase

It truly is our Privilege to serve you.

Locations / Office Hours

ORCHARD PLAZA OFFICE:

1401 North Jefferson Way
Indianola, IA 50125
(515) 961-5880 (phone)
(515) 961-6188 (fax)
csb@csbindianola.com

Drive-Up Hours:

M-F, 7:00 - 6:00
Sat, 7:00 - 12:00

Lobby Hours:

M-F, 8:00 - 4:00
Sat, 8:00 - 12:00

Drive-Up ATM available

WEST ROADS BRANCH:

1901 West 2nd Avenue
Indianola, IA 50125
(515) 961-9367 (phone)
(515) 961-9708 (fax)

 

Drive-Up Hours:

M-F, 8:00 - 6:00
Sat, 8:00 - 12:00

Lobby Hours:

M-F, 8:00 - 4:00

Drive-Up ATM available

LUCAS BRANCH:

104 Front Street
Lucas, IA 50151
(641) 766-6131 (phone)
(641) 766-6131 (fax)

 

Office Hours:

As Posted

NORWALK BRANCH:

2351 Sunset Dr, Suite 101
Norwalk, IA 50211
(515) 285-4900 (phone)
(515) 285-4901 (fax)

 

Drive-Up Hours:

M-F, 7:00 - 6:00
Sat, 7:00 - 12:00

Lobby Hours:

M-F, 8:00 - 4:00
Sat, 8:00 - 12:00

Drive-Up ATM available

 

NEWTON BRANCH:

2506 1st Ave

Newton, IA 50208
(641) 792-3246 (phone)
(641) 792-3358(fax)

 

Drive-Up Hours:

M-F, 7:30 - 5:30
Sat, 7:30 - 11:00

Lobby Hours:

M-F, 8:30 - 4:30
Sat, 8:30 - 11:00

Drive-Up ATM available

 

FORT DES MOINES BRANCH:

612 Army Post Road
Des Moines, IA 50315
(515) 285-6044 (phone)
(515) 285-0310 (fax)

 

Drive-Up Hours:

M-F, 7:30 - 6:00
Sat, 7:30 - 12:00

Lobby Hours:

M-F, 8:30 - 5:00
Sat, 7:30 - 12:00

Drive-Up ATM available

 

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On behalf of the directors, officers and staff of Community State Bank, welcome to our website! We hope you will find our site to be a useful and fun place to visit.

At Community State Bank, we are committed to providing our customers with unsurpassed service. Our website and e-mail are just two more ways that we intend to assist our customers with their financial needs. Of course, these electronic means will never take the place of the highly-personalized service you will receive from us, whether it be inside the bank, thru the drive-up lane, or on the telephone. In our fast-paced, high-tech world, we understand that an internet presence is necessary, and we are pleased to be taking that next step to be of better service to you. And when you do call us by phone don’t be surprised when a live person answers, EXPECT IT!
If at any time you have comments or suggestions about our site, please feel free to call 961-5880 or e-mail us at csb@csbindianola.com. We’d love to hear from you.
Sincerely,

Keith Welling
President/CEO

Community State Bank recognizes and respects our responsibility to protect our customers’ private information. The success of a financial institution, like ours, depends heavily on the level of trust and confidence it enjoys with its depositors and shareholders. In continuing our commitment to provide quality service to our customers, Community State Bank has adopted the following privacy statement for officers, directors, and employees. This privacy statement applies to individuals, and Community State Bank reserves the right to amend it at any time.

Our Internet Web Site

Visitors to the Community State Bank website remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name of the domain from which you access the internet (for example, aol.com, if you are connecting from an America Online account); the date and time you access our site; and the internet address of the website from which you linked directly to our site. If you submit an online application, it will be transmitted over a secure connection using encryption, and will alert you to this fact. This is the case where confidential information, such as your account number or social security number, is requested. Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender’s request and manage the Community State Bank web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please use the clear button in on-line forms, or cancel an e-mail before it is sent. Visitors should call us directly at (515) 961-5880 if requests or statements include sensitive or private information, such as your account numbers, credit card numbers, or social security number. Community State Bank will NEVER ask you for your Personal Identification Number (PIN) for your Community State Bank ATM card or debit card. If you are asked for this information, please call (515) 961-5880 and report it to a customer service representative immediately.

Our Collection, Use, and Retention of Customer Information

We collect, use, and retain information about our customers only where we reasonably believe it would be useful in administering our business, and providing products, services, or other opportunities to our customers. We collect and retain information only for specific business purposes – and will tell you why we are collecting and retaining it upon your request. We use information to protect and administer our customers’ records, accounts, and funds; to comply with certain laws and to understand your financial needs and provide you quality products and outstanding service. If you send us e-mail, we may retain the content of the e-mail and your e-mail address in order to respond to questions or concerns that you may have expressed.

Our Maintenance of Accurate Information

We have implemented procedures to help assure that our customers’ financial information is accurate, current, and complete in accordance with commercial standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information. Customers should notify us immediately at (515) 961-5880 or P.O. Box 257, Indianola, IA 50125-0257 if they receive information regarding their relationship with us that they believe to be inaccurate.

Limited Employee Access to Information

We have procedures and security levels that limit employee access to personally identifiable information to those with a business reason to know such information. The importance of confidentiality and customer privacy is addressed personally to each employee by the bank president, Keith Welling. Appropriate disciplinary measures are taken to enforce employee privacy responsibilities.

Restrictions on the Disclosures of Account Information

We do not reveal specific information about our customers’ accounts or other personally identifiable data unless (1) our customer has authorized it in writing; (2) the information is provided to help complete a transaction initiated by our customers; (3) the information is provided to a reputable credit bureau or similar information reporting agency; (4) disclosure is lawfully permitted or required.

Maintaining Customer Privacy in Business Relationships with Outside Third Parties

At times it is necessary to provide personally identifiable information about our customers to a third party, such as a vendor or service company we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law. We may also share customer information with affiliates of Community State Bank in order for customers to receive information about products and services we believe to be of interest to them. You have the right to limit this sharing and use of information by contacting us at P.O. Box 257, Indianola, IA 50125 and making a written request.

If you believe Community State Bank has misused information obtained through this web site, or if you have questions or concerns regarding this privacy statement, please contact President Keith Welling at (515) 961-5880 to resolve any disputes.