Thinking about moving your money but dreading the hassle? You're not alone — and it's a lot simpler than it sounds. Our Switch Kit walks you through the whole thing step by step, and if you'd rather have personal help, the bankers at your neighborhood CS Bank branch are happy to sit down with you. We've been helping families and businesses across Northwest Arkansas and Southwest Missouri bank with confidence since 1912, and we'd love to welcome you, too.

Ready to start? Open your account online in just a few minutes, then follow the four steps below to bring everything over.
 
 
 

Why Families and Businesses Make the Switch

  • Free checking that actually pays you. With our Kasasa rewards checking account options, you can earn high interest or cash back, and every personal checking account is free with eStatements.
  • Local decisions, local people. You're not a number here. Decisions get made by people who live and work in your community.
  • Nationwide access, hometown service. Mobile and online banking, plus ATM fee refunds on qualifying accounts, so you're covered wherever you go.
  • A bank that's stuck around. Serving Harrison, Berryville, Eureka Springs, Huntsville, and Cassville for over a century.




































Daniela Reyes, Assistant Branch Manager helping customer at teller line

How to switch in four easy steps


1. Open your new CS Bank account

 It takes just a few minutes online or stop by any branch and we'll set you up in person. Not sure which account fits? Compare our checking accounts or ask a banker.


2. Move your direct deposit. 
Give your employer (and any benefits like Social Security) your new CS Bank account and routing numbers. Use our prefilled Direct Deposit form to make it quick.

3. Update your automatic payments
Switch any recurring drafts — utilities, insurance, loan payments, subscriptions, and payment apps — to your new account. Our Switch Checklist helps you catch them all.
 
4. Close your old account
Once your direct deposit lands at CS Bank and your last automatic payments clear, close your old account using our Account Closing Letter. That's it — welcome to CS Bank!

Your Switch Checklist

 

Use this quick list so nothing slips through the cracks. Update these with your new CS Bank account information:

  • Employer / payroll direct deposit
  • Social Security or other government benefits
  • Utilities (electric, water, gas, internet, phone)
  • Mortgage, auto, and other loan auto-payments
  • Insurance premiums
  • Subscriptions and memberships (streaming, gym, apps)
  • Payment apps and digital wallets (Zelle, Venmo, PayPal, Apple Pay)
 
Woman using calculator filling out papers.

Switch Kit Tools & Downloads

 

Everything you need, ready to download and fill out:

  • The Complete Switch Kit (PDF) — all the forms in one place
  • Direct Deposit Authorization — hand this to your employer or payroll
  • Automatic Payment Switch List — track and move your recurring payments

Account Closing Letter — a simple template to close your old account

 
 

Prefer a little help?

Switching is easier with someone in your corner. Contact us below or stop by a branch in Harrison, Berryville, Eureka Springs, Huntsville, or Cassville, or give us a call — we'll help you move everything over and answer any questions along the way.

 

 



Frequently Asked Questions

About Switch Kits

You can open your CS Bank account in just a few minutes. Moving your direct deposit and automatic payments usually takes one to two pay cycles, so we'd suggest giving it about two to four weeks before you close your old account.

No. We don't charge anything to help you switch, and every CS Bank personal checking account is free with eStatements.

We recommend it, but only after your direct deposit is landing at CS Bank and your last automatic payments have cleared. Keep your old account open until everything has moved over.

A photo ID, your old account and routing numbers, your direct deposit details, and a list of any recurring payments you'll need to update. Our Switch Checklist walks you through it.

Absolutely. As a community bank, we love sitting down with our neighbors. Visit any branch in Northwest Arkansas or Cassville, MO and we'll handle it together.

Yes. No matter where you bank now — a national bank, a credit union, or an app — the Switch Kit works the same way.