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Advantage Checking

This account offers a high interest rate for those that meet the following criteria: 

§ Have an Online Banking Account and receive an E-statement on your Advantage Checking account monthly. Online Banking, enrollment, disclosure and acceptance required.  Sign up for Online Banking and request your e-statement online.
§ During each Qualifying Cycle you must have Posted and Cleared ten Debit Card purchases.
§ During each Qualifying Cycle you must have Posted and Cleared one ACH Deposit or one ACH withdrawal to your account.


The higher interest rate is applied to the first $50,000 in the account.  Please contact us to learn more about this tremendous product and the current high interest rate.  Click here for the Qualifying Cycle Calendar.

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Free Checking

This account is terrific for those who want to keep costs down.

  • No monthly fee is assessed.
  • Unlimited check writing, ATM withdrawals and account debits at no extra charge.
  • There will be no checks or images of checks returned with this account.  You receive a statement only.

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Check Imaging

Check Imaging is designed to offer improved checking statements at a glance. Along with your detailed statement you receive images of multiple checks listed on a single page in numerical order. No longer do you have to find a place to store all of those bulky old checks. This is truly the most efficient way available to help you keep records on your account.

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Rewards Mastercard

Whether you are shopping around the corner or around the world, the Rewards MasterCard is the way to pay right from your checking account.  Because it carries the MasterCard symbol, it is accepted anywhere MasterCard is welcome.  There is no checkbook to carry. No check to write. No identification to show.  No waiting for check approval and you can use your card at ATMs. 

With this card you will receive one point for every $2.00 that you spend on a signature based transaction.  The points that you accumulate can then be redeemed for a number of different items of your choice. 

At any time you can long into a secure site to view or redeem your points at  Please click here for a list of common Frequently Asked Questions.

This card also has the added benefit of being a member of Shazam's Privileged Status program.  That means no transaction fees are charged to you at participating ATM's. Just look for the Privileged Status symbol to ensure you won't be charged a transaction fee. Participaring ATM's can be located by clicking here.


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Regular Checking

A great personal or small business account with the regular features you expect.

  • No monthly fee is assessed by maintaining a $300 average daily balance.
  • Unlimited check writing, ATM withdrawals and account debits at no extra charge
  • Check images are returned each month with your detailed statement
  • This account is free to Senior Citizens. (55 and older)

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Super Now

Earn interest on your checking account dollars.

  • If you maintain an average daily balance of $1000, there is no monthly service charge.
  • The interest rate and annual percentage rate are available upon request.
  • Interest will be compounded and credited to the account monthly
  • Banking regulations prohibit partnerships and corporations from using this account.

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Direct Deposit

With Direct Deposit, your payroll check, social security or other regular payment is electronically deposited to your Citizens State Bank checking account, money market, or savings account immediately, on schedule, and at no cost to you. It's easy to enjoy the convenience and security of Direct Deposit. Simply provide your employer, social security office or other source with your name, address, social security number, your Citizens State Bank account number and Citizens State Bank routing number.

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Automatic Funds Transfer

An Automatic transfer may be established to move money form one account to another with a pre-determined amount and frequency. You determine whether you want the transfer to be done weekly, bi-weekly, monthly, quarterly, semi-annually or annually. There is no charge for this transfer.

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Demand Deposit Loan

(Overdraft protection): Subject to credit approval, demand deposit loan enables you to avoid overdrafts. It is a credit line attached to your checking account, available for use when you need it.

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Automatic Overdraft Protection

This service allows a transfer from savings automatically to cover any overdrafts incurred on a checking account. This will help to avoid NSF charges and returned checks. A fee of $5.00 is charged per transfer.

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