Your Money, Your Way
You choose the checking account and digital tools that work best for you. All accounts include:
- Visa Debit Card
- Tell-A-Friend rewards
- Free Thank You gift
- "Buy Back" program
- Switch Kit to make your transition easy
- A Personal Banker to help you find what's right for you
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Debit Card Controls
- Account Alerts
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Zelle®
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Bill Pay and Check Deposit
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In-app chat with Customer Care
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Customize Your Banking Experience
Our checking accounts are designed to help you reach your financial goals on your timeline. Compare accounts to see which is best for you.
Simply Free Checking
A free account for everyone - no minimum balance requirements and no monthly service charge.
LEARN MORE>>Direct Interest Checking
Earn interest while enjoying the convenience of direct deposit or automatic payments.
50 Plus Interest Checking
A free account for those 50 and over that pays interest - and your first order of checks is on us!
LEARN MORE>>Premier Interest Checking
If you want to earn more interest. Includes free personalized checks.
| COMPARE ACCOUNTS |
Simply Free |
Direct Interest |
50 Plus Interest |
Premier Interest |
| Best suited for: | A free account for everyone | Those who want to earn interest | Those 50 or older who want to earn interest | Those who keep a higher balance |
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| Minimum balance requirements & maintenance fees | N/A | N/A | N/A | If balance falls below $1,500, only $6 monthly service charge |
| Earns interest |  |
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| Visa debit card w/ digital card controls | |
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| Digital banking tools | |
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| Direct deposit | |
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| Free checks | |
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| Learn More | Learn More | Learn More | Learn More |
Want to enjoy more from CSB Personal Banking?
Explore some of the other ways we can help you reach your financial goals.
Why bank with us? Our customers explain it best:
App is very easy to use.
Caleb Armstrong
I wouldn't bank anywhere else.
Virgil Nevil
My experience with Citizens State Bank is very positive, from doing business in person or Internet.
Everyone is dedicated to helping me with my requests, and keeping my account safe from fraud.
Lee Stevens
Great staff and service. I've used them for the past 5 years and have never had an issue. They are more than happy to help with any questions you may have. Best bank I've used in a long time.
Jessica Key
Love their online banking app!! CSB is the best ❤️
Brittani Lee
Let's Talk Checking!
We understand that managing your money can feel a little stressful—especially when you're opening your first checking account or thinking of moving an existing account. That's why we're here for you. If you have questions, let us know. We're right here in Central Indiana—with offices in Carmel, Fishers, Hartford City, Knightstown, New Castle, Pendleton, Rushville, and Union City—and we're available when you need us.
Complete this form and we'll be in touch. You'll feel peace of mind. And together, you'll have confidence in a plan to meet your financial goals.
Please complete the form below and a banker will soon be in touch to discuss your checking needs.