Personal Checking

Bringing the bank to you.

 Choose from a variety of checking accounts designed to help you reach your goals, on your timeline.
 

Simply Free Checking

A free account for everyone - no minimum balance requirements and no monthly service charge.

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Open An Account

Direct Interest Checking

Earn interest while enjoying the convenience of direct deposit or automatic payments.

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Open An Account

50 Plus Interest Checking

A free account for those 50 and over that pays interest - and your first order of checks is on us!

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Open An Account

Premier Interest Checking

If you want to earn more interest. Includes free personalized checks.

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Open An Account

Why choose Citizens State Bank?
We give you the tools to bank the way you want.

  • Visa© Debit Card
  • Free "Thank You" gift 
  • Tell-A-Friend rewards
  • "Buy Back" program - we'll pay up to $10 for your unused checks and debit cards from another financial institution
  • Switch Kit to make your transition easy
  • A Personal Banker if you need help opening the right account
  • Digital Banking Tools
    • Online & Mobile Banking
    • Zelle®
    • Debit Card Controls
    • In-app chat with Customer Care
    • E-statements
  •  
Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

Order Checks

Personal Savings

Personal Consumer Loans

Simply Free Checking

Young Man Opening Simply Free Checking Account on Laptop

LET'S TALK CHECKING

A free account for everyone.

Open an Account

Direct Interest Checking

Couple Looking at Their Checking Account Balance

LET'S TALK CHECKING

Earn interest while enjoying the convenience of direct deposit or automatic payments.

Open an Account

50 Plus Interest Checking

CSB Clients Reviewing Their Financial Statement

LET'S TALK CHECKING

A free account for those 50 and over that pays interest.

  • Your first order of checks is free
  • Competitive interest
  • No minimum balance requirements
  • No monthly service charge
  • Visa Debit Card
  • Digital banking tools
  • Free "Thank You" gift and up to $10 "Buy Back" program
  • Tell-A-Friend rewards
  • Switch Kit to make your transition easy

Open an Account

Premier Interest Checking

Successful Businessman with Premier Interest Checking Account

LET'S TALK CHECKING

If you want to earn more interest.

  • Free personalized checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly charge if balance falls below $1,500
  • Visa Debit Card
  • Digital banking tools
  • Free "Thank You" gift and $10 "Buy Back" Program
  • Tell-A-Friend rewards
  • Switch Kit to make your transition easy

Open an Account

Let's Talk Checking!

A checking account is often the foundation of your money management, and we understand that the thought of opening a new account, or moving a current one, can feel a little overwhelming.
 
That's why we're here for you. If you have questions just let us know. Complete this form and a banker will be in touch. We're looking forward to helping you develop a plan to help you feel confident about meeting your financial goals!
 

 
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