Checking Accounts

Citizens State Bank offers both Personal and Business Checking Accounts to all of our customers. The accounts featured on this page are non-interest bearing accounts. Find information on our interest bearing checking accounts.

Statements are mailed according to the last name of the primary account holder. If your statement is to be mailed on a non-business day, your statement will be mailed the following business day. All checking account statements are cycled as follows:

 
Last Name Date
A-C 5th
D-H 10th
I-M 15th
N-R 20th
S-Z 25th
Business Accounts Last Business Day of the Month
 

Altitude Checking

Take your personal finances to new heights!

  • No minimum opening deposit
  • Non-interest bearing account
  • No minimum balance
  • No monthly service charge
  • Online banking, Bill Pay(*), eStatements(**)
  • Visa Debit Card (No annual fee)
  • Ready Reserve line of credit (***)

*Certain Bill Pay fees and limitations apply. Please refer to the Schedule of Fees and product terms and conditions
**$2.00 monthly fee for paper statements
***$100.00 Credit line for all Altitude Checking account holders, higher limits are subject to qualification, see terms and conditions for all applicable fees and annual percentage rates.

Limitations: Five cleared checks per statement cycle at no cost, $0.50 per check thereafter.

 

Personal Checking

There is a $100.00 minimum deposit required to open a personal checking account. Our service charge is calculated on the minimum daily balance. Please stop by your nearest location or contact one of our friendly Customer Service Representatives for current information and to open your account today!

Daily Balance Monthly Service Charge
$600 + No Monthly Service Charge OR per debit item fee
$599-$400 $6.00 per month*
$399-$200 $8.00 per month*
$199 and below $10.00 per month*

*Plus Debit Item Fee
More than 40 Debit Items (checks & ACHs) per month

$ .20 each

Business Checking

There is a $100.00 minimum deposit required to open a business checking account. Our service charge is calculated on the minimum daily balance. Statements are cycled on the first business day of each month.

Daily Balance Monthly Service Charge
$1,000 + No Monthly Service Charge OR per debit item fee
Below $1,000 $10.00 per month*

*Plus Debit Item Fee
More than 40 Debit Items (checks & ACHs) per month

$ .20 each