Personal Checking

Manage your daily finances with a checking account at Citizens State Bank.

Altitude Checking

  • No minimum opening deposit
  • No minimum balance

NOW Account

  • Competitive interest rate*
  • Large number of transactions


  • Premium interest rate*
  • Large number of transactions

San Juan Club

  • Available for customers ages 55+
  • Exclusive benefits

Personal Checking

  • Write up to 40 checks per month at no cost, $0.20 per extra check.
  • Large number of transactions

Compare accounts to find the best choice for you.

  Minimum initial deposit Minimum balance Interest rate
Altitude Checking No No N/A
Personal Checking $100 $600 for no service fee N/A
San Juan Club (55+) $100 $1000 to accrue interest premium interest rate*
NOW $100 $1000 for no service fee competitive interest rate*
SUPER NOW $100 $2500 for no service fee premium interest rate*

VISA Debit Card

Citizens State Bank is proud to offer VISA debit cards for consumers and businesses.

The VISA debit card is good anywhere VISA is accepted. It is a safe, secure, and convenient way to pay for goods and services directly from your checking account. It also works at ATMs for cash withdrawals, transfers, and balance inquiries. Please note that if your card is only attached to a savings account, it only acts as an ATM card and cannot be used to make purchases. 

With a VISA debit card you can:

  • Access to your account’s available balance up to $2,500 in outstanding authorized signature or PIN-based POS transactions at any given time
  • Make up to $500 in ATM PIN-based transactions every 24 hours

To activate your card, dial the activation number on the sticker on the front of the card. You must call this number from the primary phone number listed on your account. To change your PIN, call (877) 265-9594. 

If you have lost your VISA debit card or believe that it has been stolen or otherwise compromised, call 800-528-2273 or contact us at (970) 325-6100 immediately.

Get Started today!

*Please see a customer service representative for current rate information, calculation method and to obtain a copy of our Truth in Savings Disclosure.