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Shazam / ATM Debit Card
Visa/Mastercard Credit Card
Other Services
Certificate of Deposit
Internet Banking
Re-Order Checks



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, MasterCard or VISA.
  • Use at any merchant displaying MasterCard.
  • Can use at ATM's to withdraw cash from checking or savings.
  • Maximum ATM withdrawals $300.00 per day.
  • Unlimited Debit Card withdrawals.
  • Replacement Card Fee $10.00.
  • Card Fee - $ 1.00 per month per card.
  • Deposits and transfers to checking and savings can be made only at Shazam ATM's.
  • No charge for ATM withdrawals at machines owned by us.
  • No charge for debit card (POS) transactions.
  • Foreign ATM will be charged $1.97 per transaction.


Visa/Mastercard Credit Card

  • VisaFlex Mile Card available. Offering rewards for free airline tickets.
  • No Annual Fee (Option Available)
  • Payment options that allow you to pay for all purchases in full to avoid finance charges.
  • Free credit card registration.
  • Optional Credit Card Insurance available.
  • Call for Interest Rates and Special Introductory Offers.


Other Services

  • Safety Deposit Boxes
  • Travelers Checks
  • Bank by Mail
  • Notary
  • Collections (incoming/outgoing)
  • Money Orders
  • Cashier Checks
  • Direct Deposit
  • Copy Machine
  • Fax Machine
  • Wire Transfers
  • Cash Advances (Visa/Mastercard)
  • Savings Bonds (Series E/EE, Series HH, I Bonds)
  • Telephone Banking
  • ACH Origination
  • Internet Banking


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 $1000.00.
  • 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.


Internet Banking

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

  • Determine balances
  • Monitor deposits and check clearings
  • Transfer funds between accounts
  • Arrange for stop payments
  • Order Savings Bond
  • Order Travelers cheques and other offical checks
  • Place Check Orders
  • View and Print Statements
  • Make Address and Telephone Number Changes
  • Export Account Data to Programs such as "Quicken" or "Money"
In addition customers may add:

  • Bill Pay
  • Cash Management
  • ACH Transactions
  • Wire Transfers
  • Ability to order Money
Overall, Internet banking offers three important services:

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

Not only is Internet Banking one of the most convenient ways to access your accounts, it is also protected by very sophisticated, failsafe security measures designed to protect your assets and ours.



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.

  • Deluxe personal checks, business forms and checks

  • 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.

  • Main Street personal checks



Contact Information

In Morrison
Shannon Condit - 580-724-3511 / SCondit@citizensstatebank.net

In Stillwater
Ashley Collier - 405-533-3737 / ACollier@CitizensStateBank.net