On September 11, 2001 our lives changed forever. In an effort to protect you and our country, the USA Patriot Act was signed into law. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. We welcome your application when opening an account, whether you live in our service area or are moving to the are. When you come in to any of our locations to do so, we will ask for your name address, date of birth, and other information that will allow us to identify you. We proudly support all efforts to protect and maintain the security of our customer and our country.

Citizens State Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under FDIC’s general deposit insurance rules.