Checking

Accounts for Everyone

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 are getting the most out of your banking experience. Contact an account representative at any of our locations to discuss checking and savings account options and find an account to fit your lifestyle.

Citizens Checking Account

Convenience Checking Account

Golden Checking Account

NOW Checking Account

Money Market Checking Account

Student Checking Account

Business Checking Account


To learn about our checks, ATM cards, and Debit Cards, please visit our Account Products and Services page.


Citizens Checking Account 


All the features of a traditional checking account, including MasterCard Debit Cards or ATM cards, and the option to receive traditional paper statements or convenient e-statements. Monthly services charges depend on the lowest daily balance during the month.


Photo: Money in Wallet

  • Service Charge: $5 if balance is below $500, $7 if balance is below $300
  • Minimum to Open: $250
  • Overdraft / Insufficient Funds Charge: $20
  • Statement Option: Traditional or e-Statement


Convenience Checking Account

This account is truly hassle-free banking with no low-balance fees and convenient e-statements sent to your inbox every month. Use with our online banking service to completely simplify your finances.



Photo: Card Reader

  • Service Charge: N/A
  • Minimum to Open: $250
  • Overdraft / Insufficient Funds Charge: $25
  • Statement Option: e-Statement*
  • Debit Card: $1 per card per month
  • Other: Individuals only, businesses and organizations do not qualify for this account.

*Traditional bank statement available for $7 per statement. 


Golden Checking Account

Designed to meet the needs of our customers age 55 or better, the Golden Checking Account features no low-balance fees, a free safe deposit box, and your first box of checks at no charge.



Photo: Checking Reconciliation

  • Service Charge: N/A
  • Minimum to Open: $250
  • Overdraft / Insufficient Funds Charge: $25
  • Statement Option: Traditional or e-Statement
  • Debit Card: $1 per card per month
  • Other: Smallest available safe deposit box and first box of checks at no charge


NOW Checking Account

All the features of a traditional checking account – and it earns interest!




Photo: Paying Bills with Checkbook

  • Service Charge: $7 if balance is below $1,000
  • Minimum to Open: $1,000
  • Overdraft / Insufficient Funds Charge: $20
  • Statement Option: Traditional or e-Statement
  • Interest Bearing: If balance is over $1,000


Money Market Account

Ideal for customers who are looking to earn interest and write a limited amount of checks, our Money Market Account allows up to 6 withdrawals per month. The interest rate increases as your balance reaches each tier.



Photo: Increasing Dollar Bills

  • 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
  • Service Charge: $7 if balance below $1,000
  • Minimum to Open: $1,000
  • Statement Option: Traditional or e-Statement
  • Overdraft / Insufficient Charge: $20
  • Other: $2 per item after 6 withdrawals per month. Interest paid monthly


Student Checking Account

Students have so many things to worry about...so this account is designed to be worry-free, with no service charge and a low minimum opening deposit. Qualifying customers are active students up to age 23.



Photo: Money with Graduation Cap

  • Service Charge: N/A
  • Minimum to Open: $100
  • Overdraft / Insufficient Funds Charge: $20
  • Statement Option: e-Statement*
*Traditional bank statement available for $7 per statement


Business Checking Account

Citizens State Bank understands that each business is unique and may have different banking needs than the business down the street. So, whether you are in the beginning stages of starting a new business or manage a large established corporation, we would like the opportunity to visit with you about a business account. Please contact a customer service representative at any of our locations to discuss options that best fit your business needs. Click here to find contact information for any of our locations.

Photo: Calculator, Money, Bills

Other terms and conditions may apply. Contact your local Citizens State Bank location for details.