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Credit Card Processing

Are you happy with the service your current credit card processor is providing you? Local service, response time, and competitive pricing are what have made Citizens' credit card processing program like no other in the area. We can do a cost-free comparison with your current provider, and you will see the difference. You could be paying way more than you should and don't know it, just like this customer!


Citizens State Bank offers credit card solutions with resources and support, delivering complete end-to-end payment processing services, including:


  • A complete array of connectivity options, including wireless and high speed
  • Detailed monthly merchant statements
  • Full line of POS equipment and software applications
  • Local comprehensive and proactive customer sales, service, and support
  • PCI Compliance Program with $100,000 insurance policy covering data breach at your business
  • Quick and easy merchant application and on-boarding
  • Some of the most competitive rates in the industry
  • User-friendly interface
Services Offered
  • Credit and debit card processing
  • Check processing
  • Gift card services
  • Online payment processing
  • Touch-tone telephone processing
How to Apply & Accept Payments

Call and ask for Marcia or Mariah or email to apply. We will provide you with a customized rate quote to fit the unique needs of your business.

Support & Customer Service Information

Receive support and superior customer service 24/7 with Citizens State Bank Merchant Processing.

Annual Processing PCI Compliance

PCI applies to ANY organization or merchant, regardless of size or number of transactions. If any customer pays the merchant directly using a credit card or debit card, the merchant must certify and renew annually as a compliant merchant and comply with regulations from the Payment Card Industry.

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