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Minor Savings

There has never been a better time to join Zeus and the Smart Savers in their quest to teach children to save. Children of all ages can benefit from a Minor Savings account at Citizens State Bank. This account pays one of the highest yields in the country. It highlights fun incentives to encourage children to save, including monthly activity sheets available at all offices. Take an active role in speaking with your child about their savings goals.

Minor Savings

Open a Minor Savings account and teach your child to save with a high-earning savings account. 


• 2.50% interest rate, 2.53% APY*
• Account earns current Minor Savings account
   APY* on balances up to $10,000.00, a portion of
   balance over $10,000.00 will earn current APY* 
   of a regular savings account
• Interest is compounded monthly with statements.
• $10 initial deposit required
• For children 17 years old or younger
• One minor account per child


*Annual percentage yield. $10 minimum to open an account. Offer valid on new accounts only. For children 17 years of age and younger. Interest is paid monthly with no monthly fees. APY rate is good as of April 14, 2022, and may change at any time. Promo code 4205


Smart Savers Club

(14 & Under)

When opening a Minor Savings account, your child automatically becomes a member of our Smart Savers Club. As a Smart Saver, your child will receive:

The minor must be present at the time of deposit to receive a punch and a prize.

What Our Clients Say About Us

Everyone is beyond helpful, knowledgeable and always have a smile. The bank is bright, friendly and they always offer you the best coffee. Great place!


I've been meaning to switch from Wells Fargo for years and I'm so glad I picked Citizens. From the staff to the interior design, the place has personality. Local discounts are included with the "get more" checking account, and of course the free coffee is always a plus. This place is so much more than just a bank.


Great service. Every time I go in it's like I'm talking to my family instead of a business. Always fast and reliable and are able to help my with any problem. The app is awesome as well. The Coffee is also amazing, cold, or hot, cream or black, you can get whatever your heart desires.