There are two situations:
1. you have the Lat Long fields instead of street, state, zip columns in ur csv file.
-- Easiest solution is to use the Make XY Event Layer in arctool box to create a new point feature layer based on x and y coordinates defined in the csv file.
2. You need to geocode based on the address info (street, state, zip, etc.) to acquire the x y coordinates.
Three ways are available:
a. Buy additional arcgis online credits to geocode so that you can geocode in ArcMap, which I think is the way you mentioned above. You don't need to combine all the fields in the same field. Working with the ArcGIS Online World Geocoding Service—Help | ArcGIS for Desktop
b. Write a python script to import google geocode service to do the geocoding to acquire the lat & long for the csv. You can geocode 2500-3000 records per day for free I guess. The related link is: geocoder 1.19.0 : Python Package Index or you can just google python geocode.
c. Use a Batch Geocode website developed by Datvid B. Zwiefelhofer. Put all of your records in the website and get lat long. It's free for unlimited records. But it's kind of slow when the total number is large.Here is the link: Batch Geocode
Hope it helps.
