SAVINGS
Regular Savings
a ">a savings plan with citizens state bank offers maximum earnings and convenience.
- regular savings accounts are available with a monthly combined statement and a savings register for recordkeeping.
- transfers from a regular savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer
are limited to six per month with no transfers by check, draft, debit, or similar order to third parties.
cool kids savings 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 of $2.00
- a punch card system is used to earn prizes
- free newsletter
- club activities
- sign-up forms should be completed by parent or guardian
terrific coupons are available for special savings at adventureland park, des moines.
money market gold
our money market gold account is designed for those who want to earn a higher rate of interest than regular savings.
- if you maintain an average daily balance of $10,000 or higher, you will receive interest on your balance. you will also earn a higher rate at $25,000 and $50,000. as your balance increases you automatically earn the higher rate of interest.
- transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six in a statement cycle.
money market plus
earn money market rates with our money market plus.
- if you maintain a $1,000 average daily balance you will not receive a service charge.
- transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six in a statement cycle.
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.
savings bonds
you may order savings bonds directly from the u.s. treasury. the u.s. treasury site helps you manage your bond inventory and determine the current redemption value, earned interest and other information. you can also print your bond inventory by using the savings bond wizard.
additional options
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. 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 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. ask us for details and sign up today!
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