Manage your money your way
Citizens State Bank offers a variety of personal checking accounts to fit your needs. Visit any of our locations to open an account today. Explore the features of each of our account options below, or let your local account representative help you choose the account that’s right for you.
All of our checking accounts include free online banking, mobile banking, eStatements, and transactions at Citizens State Bank ATMs.
Citizens Checking Account
Get all the features of a traditional checking account, including MasterCard Debit Cards and the option to receive traditional paper statements or convenient eStatements. Monthly service charges depend on the lowest daily balance during the month.
- Monthly Service Charge: No charge if balance is $500 or above ($5 if balance below $500, $7 if balance below $300)
- Minimum to Open: $250
- Overdraft / Insufficient Funds Charge: $20
- Statement Option: Traditional or eStatement
Convenience Checking Account
This account is truly hassle-free with no low-balance fees and convenient eStatements sent to your inbox every month. Use with our online banking service to completely simplify your finances.
- Monthly Service Charge: None
- Minimum to Open: $250
- Overdraft / Insufficient Funds Charge: $25
- Statement Option: eStatement (traditional bank statement available for $7 per statement)
- Debit Card: $1 per card per month
Note: Individuals only, businesses and organizations do not qualify for this account.
Golden Checking Account
Designed to meet the needs of our customers age 55 or better, the Golden Checking Account features no low-balance fees, a free safe deposit box, and your first box of checks at no charge.
- Monthly Service Charge: None
- Minimum to Open: $250
- Overdraft / Insufficient Funds Charge: $25
- Statement Option: Traditional or eStatement
- Debit Card: $1 per card per month
Note: Smallest available safe deposit box and first box of checks included at no charge.
NOW Checking Account
Our NOW account includes all the features of a traditional checking account – and it earns interest!
- Monthly Service Charge: No charge if balance is $1,000 or above ($7 if balance below $1,000)
- Minimum to Open: $1,000
- Overdraft / Insufficient Funds Charge: $20
- Statement Option: Traditional or eStatement
- Interest Bearing: If balance is over $1,000
Money Market Account
Earn interest while still writing a limited number of checks with our Money Market Account. This account allows up to 6 withdrawals per month for free. The interest rate increases as your balance reaches each tier. Interest rate is subject to change; see your local branch for details.
- Tiers:
- $1,000.00 or less
- $1,000.01 to $25,000.00
- $25,000.01 to $100,000.00
- $100,000.01 to $200,000.00
- $200,000.01 or more
- Monthly Service Charge: No charge if balance is $1,000 or above ($7 if balance below $1,000)
- Minimum to Open: $1,000
- Statement Option: Traditional or eStatement
- Overdraft / Insufficient Funds Charge: $20
Note: $2 per item after 6 withdrawals per month. Interest paid monthly.
Student Checking Account
Students have enough to worry about. We offer students worry-free checking, with no monthly service charge and a low minimum opening deposit. Qualifying customers are active students up to age 23.
- Monthly Service Charge: None
- Minimum to Open: $100
- Overdraft / Insufficient Funds Charge: $20
- Statement Option: eStatement (traditional bank statement available for $7 per statement)
*Other terms and conditions may apply. Contact your local Citizens State Bank location for details.
Save for your Future
Put your cash to work for you.
Set aside money and earn guaranteed returns with a Certificate of Deposit (CD) or tax-advantaged Individual Retirement Account (IRA). Then start planning that dream vacation!