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Now Accepting Paycheck Protection Forgiveness Applications!

Account Comparison

Compare all of the accounts we offer to see what works best for you!

Account Type
Opening Deposit
Minimum Balance
Service Fees
Free Business Checking
$5 monthly service fee and $0.35 fee per item if over 100 items per month. Items per month to include: ATM, ACH debit, point of sale, and checks written.
*See below
Regular Business Checking
$7.50 monthly service fee and $0.15 fee per item. Items per month to include: ATM, ACH debit, point of sale, and checks written.
Yes, earning credit calculation is applied against the monthly service charges.
1. Earnings credit
2. Images of returned checks
*See Below
Business NOW
$1000 to waive fee
$5 monthly service fee and $0.25 fee per debit if account falls below $1000 minimum.
Offered to sole proprietors and non-profit organizations only.
*See Below
Business Savings
$100 to earn interest
No fee for falling below minimum balance.
Variable interest paid quarterly on balances over $100.
No fee for transfers. Auto transfers can be set up.
Money Market
$5 monthly service fee if balance falls below minimum balance requirement of $2500.
Variable tiered rate.
Six transactions per month to include: Internet banking transfers, ACH debit, phone transfers, ODP Sweeps, and checks written to 3rd parties.
*See Below
WE CARE Charitable Money Market Account
$5 monthly service fee if balance is under $2500.
Variable tiered rate.
Created to benefit eligible non-profit organizations with an annual donation made from Citizens State Bank based on average year-to-date balance of WE CARE customer account. Non-profit must be a 501(c)(3), provide account documentation, have an operating account with us or have $50,000 in savings.

*All consumer accounts receive a free debit card, Internet Banking, and Bill pay up to 25 transactions.

What Our Clients Say About Us

Very friendly staff from the moment I walked in. Dallas was very professional, knowledgeable and had me in and out fast!

Flo-Rite Exteriors & Seamless Gutters LLC

Thank you to Jared who has been phenomenal to work with! Jared stepped in to help on of our clients to secure financing for a commercial construction project. He went above and beyond with his communication between the client and our construction company as well as going above and beyond with his efforts to secure financing. Without Jared stepping in I don't know if this project would have been made possible. We look forward to continuing to refer Jared to future clients!

Marawood Construction

We recently just closed on a commercial loan from Jesse at Citizens! What a great experience! Of the two prior houses I have owned and the hassle it was to purchase them, I figured getting a commercial loan was going to be even worse. But that was not the case, Jesse made it SO easy from start to finish and helped us along the way. We can't wait to do our next loan through Citizens and grow our relationship with the wonderful staff in their office! Thanks for the smooth transaction, looking forward to the next!

Riverland Rentals