Simply Business Savings

The Simply Business Savings account is perfect for most small businesses who want to get started on building their cash reserves.

  • Unlimited in-person withdrawals
  • Six free withdrawals each month using Digital Banking, teller transactions, or Citizens State Bank ATMs
  • Only $100 minimum deposit required to avoid a low monthly service fee of $5
  • FDIC Insured

Digital Banking Services:

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Business Online Banking

Your business accounts come with online and mobile account access with a wide range of convenient ways to manage the daily finances of your business.

  • View balances, transaction history and check images
  • Custom reminders and alerts
  • Transfer funds between linked accounts
  • Download Quicken-compatible reports

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Mobile Banking for Business

Our mobile banking app turns your smartphone, tablet or other mobile device into an "on-call teller," with two-factor authentication to ensure your device security.

  • Check your latest account balances
  • Make deposits
  • Research transactions
  • Transfer funds
  • View, pay, or cancel bill payments
  • Find Locations
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Digital Autobooks

Are you a small business owner who needs access to an online accounting solution that's easy and affordable? Autobooks is made for you!

  • Electronic invoicing
  • Online payment acceptance
  • Invoice tracking
  • Estimates
  • Small business accounting


Treasury Management Services:

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Online Cash Management

Cash management is key to business success. As your business grows, our cash management solutions will help you manage your cash flow more efficiently.

  • View account activity
  • Establish alerts
  • Define user access levels
  • Set dual control settings
  • Process real-time stop payments
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Autobooks

Are you a small business owner who needs access to an online accounting solution that's easy and affordable? Autobooks is made for you!

  • Electronic invoicing
  • Online payment acceptance
  • Invoice tracking
  • Estimates
  • Small business accounting
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Sweep Accounts

An efficient, cost-effective tool that manages your cash flow between multiple accounts.

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Merchant Services

Offer your customers an easy and secure way to pay for your products or services.

  • Accept more payment types
  • Fraud protection
  • Monitor sales and profit trends
  • Build effective customer loyalty programs
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Remote Deposit Capture

Skip trips to the bank and deposit checks from almost anywhere.

  • Save time
  • Enjoy greater flexibility
  • Save money
  • Enhance security
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Fraud Prevention

In today's environment, it's more important than ever to protect your accounts from fraud. That's why we offer Positive Pay, ACH Debit Filters and ACH Debit Blocks to protect your accounts.

  • Use Positive Pay to screen for unapproved checks
  • ACH Debit Filters screen for pre-approved ACH transactions
  • ACH Debit Blocks block all ACH transactions
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Lockbox Services

Outsource your account receivables - the faster your payments are processed, the faster your business gets paid.

  • Improve staff productivity
  • Decrease the potential for theft, fraud, and error
  • Speed remittances
  • Improve overall cash flow