Business Banking Designed With You In Mind

Running a small to medium-sized business in today’s environment comes with big decisions. Whether it’s time to transition from leasing to owning, make a sizeable purchase, or set your sights on new horizons, you need someone you can count on.


Operate With Ease


Ensure Financial Stability


Unlock New Opportunities

A Personal Touch to Business Banking

Since 1873, we’ve come alongside entrepreneurs and enterprises to ensure you have the right resources and relationships to grow confidently. We’re not just another bank. We share your community. 

Insights To Help Your Business Bank With Confidence

These are a few of our favorite resources for Central Indiana business owners. 

business owner holding boxes


Bank Switch Kit for Business Owners

In this kit, we’ll cover the benefits of partnering with Citizens State Bank as a business owner, along with some tips for staying organized and making the most of your digital banking tools.

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Group of business people


5 Treasury Management Considerations For Your Business

Your cash flow strategy should always support your overall business strategy; if it doesn’t, you need to make adjustments. These five overarching questions will help you develop a comprehensive treasury management strategy.

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People looking at documents


Your Free Business Plan Template

There are many ways to create a winning business plan, and the best plans are customized to meet your needs. We provide a blueprint to help you identify those key areas and objectives that require focus and clarity to launch or grow your business.

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women looking over paperwork


The Central Indiana Women-Owned Business Guide

In this guide, you’ll find valuable insights for starting and building your women-led business, plus useful resources for making the most of your digital banking efforts.

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Your Business Shouldn’t Be Treated Like a Number

No matter what the big banks say, their customers often feel like nothing more than a number. As a small business owner, it’s important to surround yourself with a team of experts. 

Whether you need to acquire equipment, purchase property, or simply open a new account, we’re the strategic partner dedicated to helping you make informed decisions that pave a clear path forward.


Build, Grow, and Manage Your Business

Business Checking

Business Loans

Request A Financial Assessment

Cash Flow and Management

Our Clients

How it works.


Step 1: Start a Conversation

We’ll get to know your business, discuss your financial priorities, and set a course that aligns with what you need most.


Step 2: Receive a financial analysis

We analyze your business and provide recommendations to optimize your operation for your financial success. 


Step 3: Unlock new opportunities for your business

Watch our partnership provide the resources, expertise, and peace of mind you need to focus on what matters most.

Success Stories That Speak For Themselves

These businesses are banking with confidence. You should too. 

Check Out The Business Banking Blog

Whether managing company cash flow, applying for a loan, or optimizing your money habits, our resources are designed to help you align your money and goals. 

Browse the Blog

Have Any Questions?


Make an Appointment

Speak with a banker to get the recommendations and expertise you need.

Schedule a Conversation


Find a Location

Find a Citizen State Bank location in Central Indiana near you.


Schedule a Conversation

Our Relationship Managers understand how important it is to have solid data and guidance when making financial decisions about your business. 

That's why we start with a conversation to review your financials and talk through your business goals. Whether you're considering the purchase of land or equipment, have a current commercial loan that's due soon, or considering different strategies for handling cash flow, we can help you determine the next right step.