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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

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