Checking

Citizens State Bank offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

If you need to reorder checks use our secure Check Reorder Form.

Personal Checking Account

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Benefits:

  • Low $200 minimum balance
  • Unlimited check writing
  • No per check charge
  • Citizens VISA® Check card (upon approval)
  • Unlimited ATM transactions
  • If average daily balance is less than $200, an $8 service charge fee will be imposed for that statement cycle
Preferred Checking Account

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Benefits:

  • Free personalized checks (selected style)
  • No minimum balance required
  • Unlimited check writing
  • No per check charge
  • Free money orders
  • Unlimited ATM transactions
  • Citizens VISA® Check card (upon approval)
  • All of these features available for a monthly fee of $11.00
  • Personal accounts only
Gold Checking Account

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Benefits:

  • Free personalized checks (Selected style)
  • Tiered-rate account. Interest rate and annual percentage yield will vary depending on the daily available balance in your account
  • Interest is earned on a daily available balance of $2,000 or more
  • Interest is compounded and credited to your account every month
  • Citizens VISA® Check card (upon approval)
  • Unlimited ATM transactions
  • Half-price safe deposit box
  • 10 free photocopies per month
  • Free money orders

You must be 62 or older to be eligible for Gold Checking.
Value Checking Account

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Benefits:

  • No minimum balance required
  • No monthly fee
  • Unlimited check writing
  • No per check charge
  • Citizens VISA® Check card (upon approval)
  • Unlimited ATM transacations
  • Statements rather than cancelled checks provide a monthly record
  • Copies may be obtained for $1.00 per check. After 90 days, the normal research fee will apply for check retrieval.
Student Checking Account

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Benefits:

  • No minimum balance required to maintain the account
  • No monthly fee
  • Unlimited check writing
  • No per check charge
  • Citizens VISA® Check card (upon approval)
  • 1st box of checks free (selected style).
NOW Interest Checking

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Benefits:

  • Unlimited check writing
  • No per check charge
  • Tiered-rate account. Interest rate and annual percentage yield will vary depending on the daily available balance in your account.
  • Interest is compounded and credited to your account every month
  • Interest is earned on a daily balance of $2,000 or more
  • Citizens VISA® Check card (upon approval)
  • Unlimited ATM transactions

A $10 monthly fee if average daily balance in the account falls below $2,000.