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Personal Banking Products and Services


Checking: 
Citizens State Bank offers several different types of accounts to meet the varying needs of the community. Each one was created to satisfy varying needs.  Come in and talk to customer service representative about what you’re looking for in a checking account.  We’ll find one that is just right for you.  

•  Free personal checking
•  Classic Checking for customers age 50 or over
•  Super NOW account (tiered interest rates)
•  Sweep Checking account with overdraft protection  

Savings:  At Citizens State Bank, you’ll find several short and long term savings options.  Visit any of our convenient locations to talk to a customer service representative about which savings account would provide you with the most benefits.  

•  Personal saving
•  Money market
•  Certificates of Deposit (CD)
•  Health Savings Account (HSA)
•  Individual Retirement Account (IRA)

CDs:  A Certificate of Deposit (CD) is one of the most secure investments available. With a Citizens State Bank CD, you’ll have the peace of mind that your dollars are growing safely in an account that is insured by the FDIC.Our rates are competitive and begin to accrue on the business day of the deposit, even on non-cash items. Interest is paid monthly, quarterly, semiannually, or at maturity depending on the length of term you choose. There is a substantial interest penalty for early withdrawal.

IRAs:  An Individual Retirement Account (IRA) is one the most secure investments available. An IRA is designed to provide tax savings as an incentive for you to save for retirement. Open a Traditional IRA and your contribution may be tax deductible. Open a Roth IRA and enjoy tax-free withdrawals when you retire. Talk to a customer service representative or your tax advisor to determine which IRA is best for your unique situation.

Internet Banking:  Access your account anywhere you have Internet access.  This is a secure and convenient way to manage your funds anytime, day or night.  

•  View transactions
•  Transfer funds
•  View eStatements
•  Stop payments
•  Pay bills (To sign up for Internet Bill Pay, user will need to sign up at the bank)

Mobile Banking App:  Our upgraded Mobile Banking app is available on both the Google Play and Apple iTunes stores. Additional details and instructions for how to download and install the new app are available by scrolling down on this page.

If you’re new to mobile banking or have never tried it before, now is the perfect time to download the Mobile Banking App so you can bank using your smart phone. With it, you can keep tabs on your account balances, transfer funds, make loan and bill payments and more. Install it today an enjoy the convenience.

If you have any questions, or if you experience any issues installing or using the updated app, feel free to contact a customer service representative at any of our three locations.

Download the app now:  

CSB Mobile Banking App for AndroidTM:  

Visit Google Play Now!  Click here to access Google Play and download the CSB Mobile Banking app to your computer: 

csbandroidappScan to Download the App:  Use the QR code scanner on your phone to scan the code and download the CSB Mobile Banking app to your Android phone now.

CSB Mobile Banking App for iPhoneTM:  

Visit App Store Now!  Click here to access App Store and download the CSB Mobile Banking app to your computer: 

csbiphoneappScan to Download the App:  Use the QR code scanner on your phone to scan the code and download the CSB Mobile Banking app to your iPhone now.

Loans: At Citizens State Bank, it is our goal to help your dreams become a reality. Our consumer loan staff offers personal service and competitive rates on a variety of personal loans to meet your needs. Whether you are purchasing a new or used vehicle, boat, snowmobile, ATV, collectible car, or are looking to take a dream vacation, we have a loan that will work for you.
•  Home mortgage loans – (Learn more about our Online Loan Applications.)
•  Home equity loans
•  Home equity line of credit
•  Vehicle loans

•  Recreational vehicle loans
•  Occasional Overdraft Protection Services (Oops)

Visit any of our convenient locations to talk to a loan representative about your needs.

Credit Cards – Personal:  With our ScoreCard CashBack program, you can earn up to 1% CashBack rewards on all purchases you make with your VISA® ScoreCard credit card. Earn CashBack when you buy groceries, pay bills online, get gas, go out to dinner and more. Visit one of our convenient locations and talk to a customer service representative about our credit card program.  They will provide you with a list of benefits in addition to the CashBack rewards.