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We are excited to announce Citizens Digital, coming in August, which will improve your online banking experience.

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% 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 compounded monthly with monthly statements.
  • $10 initial deposit required.
  • For children 17 years of age or younger. 
  • One minor account per child.

*Annual Percentage Yield.
Interest is paid monthly with no monthly fees. $10 minimum to open an account. One minor account per Social Security number. APY* is good as of Sept. 16, 2020, and the rate may change at any time.


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

Solid financial choices for all of life's moments

Compare Our Savings Options