Savings

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 are 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 help you find an account to fit your lifestyle.

Savings Account

Money Market Account

Student Savings Account

Super Savers Kids Club Savings


Savings Account

Our savings account features quarterly statements and 6 withdrawals per quarter at no charge. Saving isn't always easy, but a savings account with Citizens State Bank makes it easier. Interest rate is subject to change; see your local branch for details.




Photo: Money in Piggy Bank


  • Service Charge: $5 if balance below $500
  • Minimum to Open: $250
  • Statement Option: Traditional or e-Statement
  • Overdraft / Insufficient Funds Charge: $20
  • Other: $2 per item after 6 withdrawals per quarter. Interest paid quarterly


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. Interest rate is subject to change; see your local branch for details.



Photo: Rising 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 Funds Charge: $20
  • Other: $2 per item after 6 withdrawals per month. Interest paid monthly


Student Savings Account

It's never too early to start saving with our Student Savings Account, featuring a low minimum opening deposit and up to 6 withdrawals per quarter at no charge. Qualifying customers are active students up to age 23. Interest rate is subject to change; see your local branch for details.



Photo: Coins in College Fund Jar

  • Minimum to Open: Minimum to Open: $250
  • Overdraft / Insufficient Funds Charge: $20
  • Statement Option: e-Statement
  • Other: $2 per item after 6 withdrawals per quarter. Interest paid quarterly


Super-Savers Kids Club Savings Account

With the Super-Savers Kids Club, each week you make a deposit into your Super-Savers Account, you will receive a special coupon. The coupons can then be redeemed for prizes at any CSB location. Prizes start at just 2 coupons, or you can save them up for larger prizes! Join today to start collecting your coupons! Children age 12 years old and under qualify for this account. At age 13 years old account will automatically convert to a Student Savings Account . Interest rate is subject to change; see your local branch for details.




Photo: Cash the Super-Savers Pup

  • Statement Options: Traditional or e-Statement
  • Withdrawals: Six free withdrawals per quarter. $2.00 per item after 6 withdrawals.
  • Minimum to open: $10.00
  • Overdraft/Insufficient Funds Charge: $20.00
  • Must be 12 years of age or younger to be in the Kids Club
  • Must have a joint owner over the age of 18 on the account
  • Free Super-Savers Kids Club membership card and organizer
  • Free piggy bank with an initial deposit of $10 or more
  • Free quarterly Super-Savers newsletters
  • One coupon each week a deposit is made
  • Quarterly bank statement
  • Coupons redeemed for prizes


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