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Mobile Check Deposit

New technologies to better serve you are coming soon!


Community Spirit Bank is always looking for ways to improve how we serve our customers. That’s why we will be upgrading our internal banking systems on Friday, May 13, 2022, giving you more convenient technology options.

Here’s what you can look forward to:

  • Online account applications
  • Card control features
  • A new Visa Debit Card
  • Enhanced person-to-person payments
  • Expanded transaction and budgeting tools
  • Ability to set travel notices
  • Personalized debit card alert communications

What do these changes mean for you? And what can you expect during upgrade weekend?

Debit Cards

You will be receiving a new Community Spirit VISA Debit Card in the mail prior to May 12. Beginning Thursday, May 12, you can activate your new card and select a PIN by calling 877-965-3344.

Please continue to use your current Community Spirit Debit Mastercard through Wednesday, May 11. After this date, your old card will no longer be active; please dispose of it appropriately.

Remember to update any auto-payments or payment-drafts you have tied to your MasterCard to your New Visa Debit Card.

Debit Card Cash and Purchase Limits

Please note during the period of Thursday, May 12 until Monday, May 16 ; your current daily transaction limits will be lower. The bank’s standard limits will be reinstated after this time.

Consider planning ahead and withdrawing any additional cash you might need for the weekend by visiting a teller at a branch location during regular business hours.

*ATM withdrawals may not be available.

Online / Mobile Banking & Bill Pay

Your current Online / Mobile Banking login will be active through Thursday, May 12. After May 12, all digital banking services will be unavailable until Monday, May 16. Stay tuned for updates for when they go live.

During this time, information about transactions and your balances will be available by calling any branch locations during business hours.

Logging Into the New Digital Banking System

Customers will use their previous username, and their passcode will be their username plus the last 4 of their SSN. (For Example: Username = janedoe PW = janedoe1234). From there, you will be prompted to set up a new password and 3 security questions.

Accessing the New Mobile App

Apple users will need to delete their old app and download the new app.

Android users will need to delete their old app and download the new app.

Telephone Banking

Telephone Banking will be unavailable Thursday, May 12 until around 9:00am Monday, May 16.

Account Statements

All customers will receive an account statement as of May 12, 2022, for any activity since your last statement (a “cutoff statement”). And this may result in some customers receiving two account statements for one cycle. One from the old internal system; and another for activity on the new system from go-live until your regular statement date.

*Note the new operating system statements will look a little bit different.


All Community Spirit ATMs will be down the morning of Thursday, May 12. Some machines will be available for cash dispensing on Thursday, May 12, and all machines will be back live for cash dispensing by Monday, May 16. This may vary by location.

ATM DEPOSIT TAKING abilities will NOT be available Friday, May 12, 2022 through Monday, May 16, 2022. If you need to make a deposit after-hours during this period, please utilize the night depository at each location. Night deposits from Friday night will be posted on Saturday, May 17th. Night deposits after 12:00pm on Saturday will be posted the morning of Monday, May 16.

Thank you in advance for your understanding during this process. For over 113 years, we have been meeting the financial needs of Northwest Alabama and Northeast Mississippi, and we are so excited to bring in new innovations to serve you even better!

We do know disruptions can be difficult, even when they are temporary. Remember, we are here and happy to help and appreciate your patience as we work through the finishing touches of our new and improved internal banking system.

If you have questions, please contact us at 1-855-385-4445 or email for help at This email address is being protected from spambots. You need JavaScript enabled to view it.

Ready. Set. Innovate.
-Team CSB