Club Accounts


Citizens Choice Club

An account loaded with added benefits at a low monthly fee.

  • Free "Club Checks" or $5.00 discount on non-club checks.
  • $10,000 Accidental Death and Dismemberment Insurance included.
  • Traveler's Checks and Money Order at no charge.
  • Discounts on travel.
  • Additional Club benefits listed in Club packet.
  • Clients 65 and older receive 50% discount off monthly service charge.
  • A $100 deposit is required to start your account.

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Cool Kids Club

Savings Club for children (newborn until the 13th birthday)

  • Existing accounts are eligible
  • Minimum deposit of $25.00 for all new accounts
  • Initial free gift presented at the time of account opening
  • Birthday cards will be sent annually to all club members...Present your card to receive a gift or $2.00
  • A punch card system is used to earn prizes (see punch card guidelines)
  • Free newsletter
  • Club activities and events
  • Sign-up forms should be completed by parent or guardian

Terrific coupons are available for special savings at the following locations:

  • Adventureland Park, Des Moines
  • Lost Island Water Park, Waterloo

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Silver Key Connection

For special people like you at Citizens State Bank, we would like to introduce the Siler Key Connection.  Whether you are nearing retirement, or are already retired, we want to help make this period of your life as financially secure as possible. Silver Key offers entertainment, travel, and special banking services. If you like to travel with friends and would like a package of FREE banking services, then you should know about "Silver Key Connection".

How you can get the "Connection"
Membership is free to anyone 55 or better who opens and maintains a balance of $2,500 or more combined invested in checking, savings, CD's, and loans at Citizens State Bank.

Get Your Silver Key Connection Today!

  • FREE Regular Checking - NO service charges, NO minimum balance, and FREE personalized Club Checks.
  • $5 annual discount on safe deposit box rental
  • FREE ATM or debit card
  • FREE overdraft protection
  • FREE photocopies (up to 10 per month)
  • FREE notary service
  • FREE newsletter
  • NO FEE money orders 
  • NO ANNUAL FEE MasterCard/Visa (for those who qualify) 
  • Numerous club activities and events

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Christmas Club

Need additional money for the Holidays?

  • Open a Christmas club account for the holiday shopping season.
  • You decide how much and how often you want to save.
  • Interest will be paid and your check will be sent to you in October.

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