• Commercial Money Market Deposit Account
• Commercial Savings
• Business Checking
• Certificate of Deposit
• Shazam / ATM Debit Card
• Internet Banking
• Loans
• 24 Hour Phone Banking
• Re-Order Checks

Commercial Money Market Deposit Account

• Interest Bearing Savings Account.
• Minimum opening deposit $5,000.00.
• Daily balance method used to calculate interest.
• Interest rate can change at any time.
• Interest compounded and credited to the account monthly.
• Interest begins to accrue on the business day you deposit non-cash items (for example checks).
• Six transfers per month allowed by preauthorized automatic transfers, telephone transfers, checks, drafts, debit card or similar order by depositor to third parties.
• Transfers or withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
• If the daily balance drops below $5,000.00 the interest rate paid on the entire balance in the account will drop to the current passbook rate.
• If balance drops below $5,000.00 on any day of the month, there will be a $3.00 monthly service charge.
• Must maintain minimum required balance to obtain stated APY.
• APY assumes that interest will remain on deposit until maturity.
• Call for Current Rates.
• Environmental Fee $5.50 per statement cycle for paper statements
• Excessive Withdrawal Fee $10.00 per month

Commercial Savings

• Minimum opening deposit $100.00.
• Six transfers per month allowed by preauthorized automatic transfers, telephone transfers, checks, drafts, debit card or similar order by depositor to third parties.
• Transfers and withdrawals made in person, by mail, messenger, or ATM are unlimited.
• Interest compounded and credited to the account semi-annually.
• There will be a $3.00 monthly service charge to the account if the daily balance drops below $100.00.
• Interest rate may change at any time.
• Daily balance method used to calculate interest.
• Interest begins to accrue on the business day you deposit non-cash items (for example checks.)
• Environmental Fee $5.50 per statement cycle for paper statements
• Excessive Withdrawal Fee $10.00 per month

Business Checking

• Minimum opening deposit $200.00.
• Monthly maintenance fee of $ 10.00.
• Unlimited Check Writing.

Account Fees

Certificate of Deposit

Our goal at Citizens State Bank is customer satisfaction and to show that we offer competitive interest rates so you get the most of your money.

Terms: 6 months to 5 years

• Minimum opening balance $5000.00.
• Daily balance method used to calculate interest.
• Interest rate and APY will not change for the term of the account.
• Interest begins to accrue on the business day you deposit noncash items (for example checks).
• Option for automatic renewal with 10 days grace period at maturity to withdraw funds.
• Penalty for early withdrawal.
• The Annual Percentage Yield assumes the interest will remain on deposit until maturity.
• Ask about our current rates.
  
• Environmental Fee $5.50 per statement cycle for paper statements

Shazam / ATM Debit Card

Try our ATM/Debit Card !! You can use it as an ATM Card or it works like a credit card but it comes off the balance of your account.

• Use at any ATM displaying Cirrus, Cirrus Plus, Shazam, or MasterCard.
• Use at any merchant displaying MasterCard.
• Can use at ATM's to withdraw cash from checking, savings.
• Maximum ATM withdrawals $300.00 per day.
• Debit Card withdrawals up to $1000.00 a day
• Replacement Card Fee $10.00.
• Card Fee - $ 1.00 per month per card.
• You can make transfers to checking or savings at ATM's that have the option
• No charge for ATM withdrawals at machines owned by us.
• No charge for debit card (POS) transactions.
• Foreign ATM will be charged $2.97 per transaction.
• You can not make deposits from your Debit/ATM card
• Environmental Fee $5.50 per statement cycle for paper statements

Internet Banking

Internet Banking offers new levels of convenience for business customers. With Internet Banking you will be able to:

• Determine balances
• Monitor deposits and check clearings
• Transfer funds between accounts
• Arrange for stop payments

• Pay bills
• View check images
• Place check orders
• Make address and telephone number change
• Export data to programs such as "Quicken" or "Money"
• ACH Transactions
• Wire Transfers
• Ability to order money

(1) a new dimension of convenience (banking anywhere, anytime)
(2) more control over finances
(3) increased peace-of-mind.

• Environmental Fee $5.50 per statement cycle for paper statements

Loans

At Citizens State Bank we want to help you with your borrowing needs. Come in and visit with one of our loan officers.

Commercial Loans

• Business Loans
• Construction Loans only with permanent take out or internal takeout
• Agriculture Loans
• Small Business Loans

We also offer Credit Life and Accident Insurance for your credit protection.

• Environmental Fee $5.50 per statement cycle for paper statements

24 Hour Phone Banking

Citizens State Bank VoiceAccess, an exciting new product, has been installed to assist you in obtaining account information 24 hours a day. Using this system you will also have the ability to transfer funds between your checking and savings accounts, and make loan payments from these accounts.

Instructions on how to use this system can obtained by downloading our Voice Access Help File. We encourage you to use Citizens State Bank VoiceAccess regarding your checking and savings accounts, CDs or loan. Please feel free to try both the touch-tone and speech recognition features to find which works best for you. You can also use a combination of TouchTone and speech.

A confidential security code is created by you on your first call to the system. When prompted by Citizens State Bank VoiceAccess, use this number, along with any of your account numbers from your statement to obtain your account information.

We will continually strive to bring you fast, friendly service by employing the latest in banking technology. However, we will always be available at our regular number to give you personal service during regular banking hours.

Dial: Local (580) 724-3640 or Toll Free: (877) 724-3640 for 24-hour account information.

Re-Order Checks

• To Re-Order checks through Deluxe please access their website by clicking the link below. Be sure to have your Routing/Transit Number, Account Number, and Next Starting Check Number handy.





• To Re-Order checks through Main Street Checks please access their website by clicking the link below. Be sure to have your Routing/Transit Number, Account Number, and Next Starting Check Number handy.

Contact Information