You’ve just won a contest you don’t even remember entering! You got a letter in the mail explaining everything – and a cashier’s check to cover all the taxes and fees. All you have to do is deposit the check and wire some or all of the money back to the sender to pay for the taxes and fees. Once they receive your payment, you’re guaranteed to get the rest of your prize. The catch – this is a scam. The check, as convincing as it looks, is counterfeit. The entire contest angle is a scheme to get you to wire money to someone you don’t know. If you deposit the check and wire the money, your bank will soon notify you that the check is counterfeit. And you’re out the money because money you wire cannot be retrieved, and you’re responsible for the checks you deposit – even if you don’t know they are fake. This is just one example of a counterfeit check scam.

Even though the thought of winning money is tempting, it really is better to be safe than sorry. The following are some 'red flags' that could give you hints that the transaction is not real. - You're asked wire money to someone you don't know. - You've never had any association with the sender. - You're asked to keep this transaction confidential until after you wire the money. - You're instructed to call the sender with your bank account information. It all boils down to the old adage - if it sounds too good to be true, it probably is!

As the new year rolls in, many people use this time as an opportunity to re-organize their lives. Whether it’s simply gathering important documents for tax time or a complete household overhaul, there’s just something about a new year that encourages us to get organized. At Citizens State Bank, we’re here to help.

TIP: Set up your bills as recurring bills, even if the amount of the bill changes from month to month. Then each month when you get bill, simply plug in the appropriate amount. This will help to ensure that you don’t forget about any of your monthly bills.

TIP: Each month when you receive an email notifying you that your statement is ready to view, simply save the statement to a folder on your computer. At the end of the year, you’ll have all your statements in one organized place.

With e-statements, we’ll send your bank statement directly to your computer. Then, you can look at it when it’s convenient for you. And, you’ll always know where to find it. Signing up couldn’t be easier...simply log into your internet banking and click on the “e-Statements” tab.

Call us today and get Bill Pay free for your first 6 months!
No checks!
No stamps!
No envelopes!
It is easier than you think to get started. With Bill Pay you can: • Pay anyone, any time, anywhere - with just a few short keystrokes • Set up repeating payments to be made automatically at the frequency you choose. • Schedule payments far in advance. • View detailed payment history online.

Wouldn’t the world be boring if everyone was just alike? At Citizens State Bank we know that our customers are unique and that your banking needs may differ from your neighbor’s. That’s why we offer a variety of accounts to meet your needs. Whether you’re a student or a business, high-tech or traditional, there is an account just for you. As your life changes, be sure to take a look at your accounts to make sure you’re getting the most out of your banking experience. Contact an account representative at any of our locations to discuss checking and savings account options.

Create security! Sign up for e-Statements and your bank statement is delivered to your inbox and your computer! Our e-Statements are faster and more convenient than waiting for the mailman. Receive your statement and peace of mind with just a few clicks. You can sign up for e-Statements from your computer by signing in to your online banking account. Then, simply choose the 'e-Statments' tab. Click on the box for each account you want to switch to electronic statements, and then 'Submit'. Anywhere, anytime. We're there for you!

Now you can guard your Citizens State Bank Debit Card with MasterCard® SecureCode™! It’s a private code that gives you added protection against unauthorized use of your card when shopping online. MasterCard® SecureCode™ is a complimentary, online security service to add protection against unauthorized use of your card online. To create your MasterCard® SecureCode™, simply visit www.shazam.net/securecode and follow the onscreen instructions. Just another way Citizens State Bank is working to keep your money safe!

On April 11, 1911 the Citizens State Bank was started by A. A. “Tony” Griffiths. The bank opened in Gridley, Kansas, in the present-day Gridley City Hall building. In 1964 the Trimble family purchased the bank, and in 1982 the Citizens State Bank moved into a new building in Gridley, where the main office is still located. Since then, Citizens State Bank has grown to nine locations. During the last century, many things in the banking world have changed, but the values on which Citizens State Bank was built remain the same. We are a full service financial institution, organized and operated to meet the financial needs of individuals, businesses, and organizations. Our goal is to thoroughly know our customers and provide outstanding customer service.

Citizens State Bank is proud to support local farmers and ranchers. In fact, you’ll find that many of our loan officers ARE farmers and ranchers! So we know what it takes to make your farming operation a success. Stop by any of our locations to visit with our lending staff about your agriculture needs.

Citizens State Bank is a proud sponsor of the 76th Annual Flint Hills Rodeo June 6 - 8, 2013 held at Strong City, Kansas. Don't miss the excitement!

Citizens State Bank would like to take this opportunity to congratulate our area graduates. Your life will no doubt be changing rapidly. Whether you are going to college or starting in the work force we can help to make your transition into the real world a little easier. CSB offers many convenient products and services, from online banking to debit cards, to make your banking needs worry-free. Citizens State Bank can continue to serve you no matter where you go in life.

In observance of Memorial Day all Citizens State Bank locations will be closed on Monday, May 27, 2013. Originally known as Decoration Day, a day set aside to honor fallen service men and women, Memorial Day has evolved to into a day Americans spend visiting cemeteries to decorate graves of loved ones. The three day weekend is also deemed the unofficial start of summer – a time for family get-togethers, barbequing, traveling, as well as visiting cemeteries to remember those no longer with us. However you spend your holiday weekend, Citizens State Bank wishes you the best.