Blog

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Elliott Somers - Graduate School of Banking

September 25, 2018 | Leah Driver

NEW CASTLE, IN, August 29, 2018: Citizens State Bank is pleased to announce that Relationship Manager Elliott D. Somers earned his diploma on August 10......read more

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Writing a Business Plan

September 25, 2018

So you’ve decided to launch your own business and be your own boss. Now what? The best step you can take now is to have a plan, or more specifically a Business Plan. Yikes! Don’t you need an MBA to write a business plan? Thankfully, the days of 100 page business plans are over, but that doesn’t mean you should bypass this important step....read more

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What is a Digital Wallet?

September 25, 2018

A digital wallet is a way to carry your debit/credit card information in a digital form on your mobile device. Instead of using your plastic card to make a purchase, you pay with your smartphone, tablet, or smartwatch. The app does not store personal information like your name or account number....read more

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Recognizing Identity Theft

September 25, 2018

Once thieves have your identity they can wreak havoc on your personal finances. They can drain your bank accounts, open fraudulent accounts in your name, and use your identity to purchase cars and other items. Additionally, they may run up account balances on your existing charge cards, get medical treatment on your health insurance, they have even been known to give your name to a police officer during an arrest....read more

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Prevent Identity Theft

September 25, 2018

Identity theft is a crime where personal information, such as your social security number (SSN), is used to commit fraud. The thief can use the information to apply for credit, file taxes, or get medical services....read more

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Personal Banking 101

September 25, 2018

Most people start their banking journey with a checking and savings account. (“Deposit” accounts.) A checking account gives you easy access to your money – this is where most of your deposits and withdrawals (“transactions”) take place....read more

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Pay Yourself First

September 25, 2018

Everyone knows they need to put money into savings – to buy a home, pay for unexpected expenses, for retirement – but while we may have good intentions, there’s often nothing left from our paychecks to save. This is where one of the best, and easiest, ways to save money comes in – Paying Yourself First....read more

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How to Choose a Merchant Card Processor

September 25, 2018

For most business owners, it won’t come as a surprise to learn that nearly 66% of all in-person transactions involve plastic. That’s why choosing your merchant card processor, the...read more

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How Do I Determine My Net Worth?

September 25, 2018

Your net worth is a figure that can be useful in putting together your budget and determining how close you are to reaching your financial goals. It’s a snapshot of your overall financial picture – your assets (things you own) minus your liabilities (debts you owe.) While it can sound intimidating, you can determine your net worth in three steps:...read more

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ATM Skimmers

September 25, 2018

In order to steal your debit/credit card information, thieves install electronic devices (“skimmers”) over the normal card reading slot of an ATM/point-of-sale (POS) machine. The skimmers record data from the magnetic strip on the back of the card which can then be used to manufacture counterfeit cards, make purchases, or withdraw funds from your account....read more

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Brian Bess Retirement Open House

August 10, 2018 | Leah Driver

NEW CASTLE, IN, August 10, 2018: Citizens State Bank invites you to celebrate the retirement of Brian Bess, Relationship Manager at our Rushville location. Brian has served the Rushville and Knightstown communities for the past 25 years, and will be missed by clients and co-workers alike....read more

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The 52 Week Money Challenge

July 1, 2018

A recent survey shows that nearly 50% of Americans can’t come up with $400 in an emergency without using a credit card....read more

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What Factors Determine Your Credit Score?

June 1, 2018

We’re reminded daily that our credit score is important, but what factors determine your score? What steps raise, or lower, your score? While the exact formulas aren’t shared by the credit reporting agencies, the factors that are used to determine your score include:...read more

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Establishing Your Credit

May 1, 2018

Even though you may not fully understand what it is, you know your credit score is important. It’s used by lenders, employers, and others to assess how you manage your financial responsibilities. But if you’re just getting started, how do you establish credit?...read more

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Citizens State Bank Announces $5,000 Scholarship

February 15, 2018 | Leah Driver

NEW CASTLE, IN, February 15: Citizens State Bank is pleased to announce a $5,000 non-renewable scholarship to provide financial assistance to qualified persons accepted at an accredited institution, college, university or school in the State of Indiana....read more