TRUST SERVICES
The Commercial and Savings Bank is a strong financial institution with a history dating back to 1879. We truly value our customers as partners and this caring attitude prevails throughout every department of the bank.
Under a trust, The Commercial and Savings Bank will safeguard your assets, enable your assets to grow, distribute those assets to the beneficiaries according to your exact instructions, and may save taxes. We can handle every detail of your personal financial responsibilities, from paying bills to money management. This agreement can be as flexible as you wish. The Commercial and Savings Bank can provide you with the satisfaction of knowing that your estate is fashioned to meet your needs and wishes without the frustration of the paperwork.
The Trust & Financial Services Department stands ready to meet the needs of individual investors, trustees, and custodians who want professional investment advice and management. Our services Include:
ESTATE SETTLEMENT
The executor or personal representative you name in your will is responsible for safeguarding the assets of your estate, for paying proper debts, for contesting improper claims, for collecting sums owed to the estate, and for filing state and income tax returns. Your executor must decide what to sell to pay taxes and estate expenses and what to hold for distribution to your beneficiaries or to trusts you establish for their benefit.
In naming The Commercial and Savings Bank as your executor you can be assured that the estate will be handled with experience, skill, and good judgment.
RETIREMENT PLANS – CORPORATE & INDIVIDUAL
Wise planning for the years ahead can help assure a financial and worry-free future. CSB offers a wide array of retirement plans including Pension Plans, Profit Sharing Plans, 401(k) Plans, and IRA's.
The Commercial and Savings Bank will serve as Trustee to ensure that all retirement accounts are in compliance with government regulations. We will assist in formulating a plan to fit the needs of your employees.
IRAs are available to many individuals on a tax deductible basis and to all individuals on a contribution basis. Contact our Trust Department for further information.
AGENCY ACCOUNTS
Agency Accounts are a series of investment and administrative services. Accounts may be completely directed by the account owner, or the owner may give The Commercial and Savings Bank Trust Department the sole authority regarding the purchase and sale of securities. Cash management, bill payment, and regular accounting reports are also primary features. We will be happy to explore these options with you at your convenience.
INVESTMENT MANAGEMENT
Asset Management for all types of accounts including Individual Trustees, Agency Accounts, Retirement Plans, Corporate Accounts and IRA's can be directed by The Commercial and Savings Bank Trust Department.
ESTATE PLANNING SERVICES
The Commercial and Savings Bank Trust Department offers experience and knowledge in helping you plan for the future. We can assist you in formulating a guide to meet your personal needs in your retirement years and ensure that your assets will be distributed in a timely fashion according to your wishes. If you already have a current estate plan, we can make recommendations to help you achieve your goals.
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Professional Investment Management |
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Living Trusts |
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Trusts Under Will |
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Charitable Trusts |
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401(k) Plans |
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Pension Plans |
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Profit Sharing Plans |
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Agencies
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Estate Settlement |
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