Blog

NEW CASTLE, IN, October 12, 2018: Each year, Citizens State Bank holds an Employee “Fun Day” Appreciation event. This year’s celebration was held at the Cornerstone Center for the Arts, Muncie. The following...read more

You realize the important role an IRA can play in your retirement, so which type of IRA should you use – Traditional or Roth? And what’s the difference?...read more

“Planning for retirement” may seem like one of the most daunting financial tasks we face, but it’s also one of the most important. Fewer than half of Americans have calculated how much they need to save for retirement, which can lead to some avoidable problems....read more

When a scammer uses fraudulent emails, texts, or copycat websites to get you to share your personal information, it’s called phishing....read more

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

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

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

NEW CASTLE, IN, August 2, 2018: Citizens State Bank is pleased to announce the retirement of Relationship Manager Brian Bess, effective August 28. Brian is the epitome of a community banker and has served Citizens State Bank with distinction for the past 25 years. He will be missed by clients and co-workers alike, and we wish him the very best during his well-deserved retirement....read more

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

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

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

Fixing the effects of identity theft can take time, money, and patience. However, there are a number of resources available to make the process as painless as possible. These include:...read more

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

A recent survey by the American Journal of Public Health revealed that nearly one in 18 older adults falls prey to financial fraud or abuse, to the tune of $36.5 billion per year. And while declining cognition is associated with a 33% increase in scam susceptibility, even healthy older adults can fall victim,...read more

Everyone has to manage their debt - these tips can help....read more