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Account Comparison

Account Type
Opening Deposit
Minimum Balance
Service Fees
Interest
Other
Personal Savings
$100
$100 to earn interest
None
Variable interest rate paid on balances over $100. No interest paid on balances under $100.
Quarterly Statement. Free ATM card to be used at ATMs only. ATM card is part of the MoneyPass network www.moneypass.com.
Minor Savings
$10
None
None
Yes, variable rate on balance up to $10,000. Regular savings rate on balance over $10,000.
Birthday cards for 17 & under.
Smart Savers Club
Automatic with Minor Savings Account
None
None
N/A
Smart Savers card. Paw stamp, toy prize, and sticker for every deposit made. 10 stamps earns CSB piggy bank, $10 Subway gift card, or $10 deposited into their savings account. Activity sheets & coloring contest.
Ages 0-14.
IRA Savings
None
None
Early Withdrawal if under 59 1/2
Yes, variable interest rate.
Roth or Traditional.
HSA (Health Savings Account)
$100
None
$25 set up fee/check costs
Yes, variable interest rate.
Great way to save money for lifes unexpected medical bills. Need high deductible insurance plan to qualify.
Certificate of Deposit / IRA CDs
Minimum of $1000
$1,000
Early Withdrawal
Fixed interest rate.
Terms of 91 days to 60 months. Penalty for early withdrawal:
3 months interest on 18 months or less 6 months interest on 24 months or more.
Safe Deposit Box (Only available in Clayton, La Crosse, & Onalaska)
See a Relationship Banker for details
None
Renewal of Safe Deposit Box Annually Jan 1st
No
All safe deposit boxes are 21 inches long. Please check with a Relationship Banker for availability. Sizes vary: 3x5, 3x10, 5x10, 10x10.

What Our Clients Say About Us

This is how banking should be done. Fun, personable, professional, and in touch with your needs. Don’t even get me started on the app, it’s just awesome! I have business and personal accounts at Citizens and appreciate all that the staff does for me.

Justin Pretasky

Best bank by far! Excellent employees!

Milt Schmidt

Citizens goes above and beyond. Always helpful and friendly staff!

Holli Ludlow