Let your money work for you
Citizens State Bank offers a variety of personal savings accounts to help meet your financial goals for every stage of life. Visit any of our locations to open an account today. You can explore our account features below, or your local account representative can help you choose the account that’s right for you.
Savings Account
Our Savings Account features quarterly statements and 6 withdrawals per quarter at no charge. Saving isn't always easy, but a Savings Account with Citizens State Bank makes it easier. Interest rate is subject to change; see your local branch for details.
- Monthly Service Charge: No charge if balance is $500 or above ($5 if balance is below $500)
- Minimum to Open: $250
- Statement Option: Traditional or eStatement
- Overdraft / Insufficient Funds Charge: $20
Note: $2 per item after 6 withdrawals per quarter. Interest paid quarterly.
Student Savings Account
It's never too early to start saving with our Student Savings Account, featuring a low minimum opening deposit and up to 6 withdrawals per quarter at no charge. Qualifying customers are active students up to age 23. Interest rate is subject to change; see your local branch for details.
- Monthly Service Charge: None
- Minimum to Open: $100
- Overdraft / Insufficient Funds Charge: $20
- Statement Option: eStatement
Note: $2 per item after 6 withdrawals per quarter. Interest paid quarterly.
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.
Teach your young ones about saving with a Super-Savers Kids Club Account. Each week you make a deposit into your Super-Savers Account, you will receive a special coupon redeemable for prizes at any Citizens State Bank location. Prizes start at just 2 coupons, but you can save them up for larger prizes! Join today to start collecting your coupons!
Children age 12 and younger qualify for this account. When the account holder turns 13, the account will automatically convert to a Student Savings Account. Interest rate is subject to change; see your local branch for details.
- Monthly Service Charge: None
- Statement Options: Traditional or eStatement, quarterly
- Withdrawals: Six free withdrawals per quarter, thereafter $2.00 per withdrawal
- Minimum to open: $10.00
- Overdraft / Insufficient Funds Charge: $20.00
- Requirements: must be 12 years of age or younger and have a joint account owner over the age of 18
- Free: Piggy bank (with an initial deposit of $10 or more), Super-Savers Kids Club membership card and organizer, and quarterly Super-Savers newsletters
*Other terms and conditions may apply. Contact your local Citizens State Bank location for details.
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