CHECKING

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. These can be either pin or signature based, excludes cash withdrawals from an ATM.  
  • 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 tier in the account. The second tier over $50,000 receives yet another separate great rate. Please contact us to learn more about this tremendous product and the current high interest rate. 

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.
  • This account will receive a monthly statement, images of checks are not returned with this account.

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).

Super Now

Earn interest on your checking account dollars.

  • If you maintain an average daily balance of $1,000, 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.

Additional Options

Direct Deposit

With Direct Deposit, your payroll check, social security or other regular payments can be 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. The bank's routing number is the 9-digit number located on the bottom left corner of your check. 

Automatic Funds Transfer

An Automatic transfer may be established to move money from one account to another with a predetermined 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.  Ask us for details and sign up today!

Demand Deposit Loan

Subject to credit approval, a 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.

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.