Community Spirit Bank is a community bank that offers a complete line of business and personal financial products. The bank offers personal banking, commercial banking and online banking services. CBS's personal banking and commercial banking services include checking accounts, savings accounts, loans, identity protection and additional services, such as round the clock telephone banking, safe deposit boxes, remote deposit capture, cash management, courier services, merchant services and business advantage credit cards. The bank provides a range of consumer loans, including credit cards, installment loans, real estate loans, home equity lines of credit and construction loans. CBS also offers traditional mortgage loan services and commercial credit products range from working capital, real estate acquisition and/or refinance to its community. Community Spirit Bank operates as a subsidiary of Independent Bancshares.