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.

LEARN MORE>>

Direct Interest Checking

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

LEARN MORE>>

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.

LEARN MORE>>

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.

Simply Free Checking

A free account for everyone.

Open an Account

Direct Interest Checking

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

Open an Account

50 Plus Interest 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

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

 

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!
 

 

Let's Talk Checking!

Green bar