Citizens State Bank
Your Home.
Your Equity.
Your Opportunity.
Why You May Need A Home Equity Loan
Home renovations and repairs
Debt consolidation
Education expenses
Unexpected medical bills
Major purchases
Emergency expenses
One less thing to do!
Make check deposits wherever and whenever with online banking.
Mobile Deposit is free to all online banking users.
- No piles of paper waste
- No lost or stolen statements in the mail
- No papercuts and no storage needed
- YES to electronic statements and loan notices - Sign up today in your online banking or contact us through your online banking messages/chats.
🚨 Fraud Alert: Scammers may impersonate the bank and claim fraud has occurred on your account. They may ask you to provide information or transfer funds. Hang up immediately. Do not share any personal or account information.
Protect Yourself from PPP Loan Scams
Scammers are targeting PPP loan recipients using publicly available loan information. They may impersonate banks, send fake emails or texts, or request sensitive information.
Watch for These Red Flags:
- Calls that appear to come from your bank or a trusted contact
- Requests for usernames, passwords, or security codes
- Emails or texts with suspicious links
- Pressure to act immediately
- Requests for payment by gift card, wire transfer, or cryptocurrency
- Fake documents sent by mail
Stay Safe:
- Verify before you share. If something feels suspicious, hang up and contact Citizens State Bank directly.
- Don't trust caller ID. Phone numbers can be spoofed.
- Avoid unexpected links. Never click links in unsolicited emails or texts.
- Keep your information private. Citizens State Bank will never ask for your passwords, one-time passcodes, or other sensitive account information.
When in doubt, Contact Citizens State Bank directly before taking action.
Personal Account
Fraud Protection
Start protecting yourself with real time alerts and notifications for transactions on your debit card. Check out your options by clicking here.
Discover My Financial Health
- A Vantage Score 3.0 provided by Experian
- Dark Web Monitoring
- View exposed private information
- View online Subscriptions
Tools to Help Detect, Prevent and Mitigate Fraud
Digital Wallet
Convenience Meets Security
- Your card number isn’t shared with merchants, helping reduce fraud risk.
- Real-time purchase notifications help you spot suspicious activity quickly.
- Biometric security (fingerprint or facial recognition) adds an extra layer of protection.
- No need to carry physical cards, reducing the risk of loss or theft.
- Works for online, in-store, and in-app purchases with secure checkout.
- Faster checkout with a simple tap of your phone or smartwatch automatically.
- Lost phone? Simply lock or erase your digital wallet remotely.
More than convenient -it's one of the safest ways to pay.
The Sound of Smart Banking
Get your Totally Free wireless headphones when you open any Checking Account, at Citizens State Bank! Refer someone and you both get one-FREE when they open their checking account.
2026 Closed Federal Holiday Schedule
New Year’s Day - Thursday, January 1
Martin Luther King Day - Monday, January 19
President’s Day - Monday, February 16
Memorial Day - Monday, May 25
Juneteenth - Friday, June 19
Independence Day - Saturday, July 4
Labor Day - Monday, September 7
Columbus Day/Indigenous People's Day - Monday, October 12
Veterans Day -Wednesday, November 11
Thanksgiving Day - Thursday, November 26
Christmas Eve - Thursday, December 24 - All offices close at noon
Christmas Day - Friday, December 25
New Year’s Day - Thursday, January 1
Martin Luther King Day - Monday, January 19
President’s Day - Monday, February 16
Memorial Day - Monday, May 25
Juneteenth - Friday, June 19
Independence Day - Saturday, July 4
Labor Day - Monday, September 7
Columbus Day/Indigenous People's Day - Monday, October 12
Veterans Day -Wednesday, November 11
Thanksgiving Day - Thursday, November 26
Christmas Eve - Thursday, December 24 - All offices close at noon
Christmas Day - Friday, December 25