Citizens State Bank

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What's a HELOC?

A HELOC provides flexible access to funds using the equity you’ve built in your home.
 
For more information Click Here
Start your Application by clicking below
 
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Pay a Friend

Splitting the check? 
Send Money
Anytime -Anywhere-Quick and Easy
 
Available in your online banking app, totally FREE! Learn more by clicking below.
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TELL A FRIEND

We LOVE referrals. The best part is both of you get a FREE gift when a checking account is opened. Simply click below to refer a friend. 
 
🚨 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.
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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.

 
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Simplified Home Loans

Your Home Loan Journey Starts Here

Ready to buy a home, refinance, build, or tap into your home's equity? Our Home Loan Express Application makes it easy to get started from anywhere, anytime.
 
Complete our secure online application in just a few minutes, and one of our experienced lenders will contact you to discuss your options and guide you through the next steps.
 
Apply For:
Home Purchase Loans
Refinance Loans
Construction Loans
Home Equity Loans
Home Equity Lines of Credit (HELOCs)
Lot and Recreational Property Loans

 

Why Apply Online?

✔ Fast and convenient

✔ Secure application process

✔ Apply anytime, from any device

✔ Local lending decisions

✔ Personalized guidance from experienced lenders

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PPP Loan Scams

Protect Yourself

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.
 
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Join Us!

Look over our openings and join our amazing team.

Business Banking 

Community Banks do business banking with a personal touch.  We don't handle everything the same way because not every business is the same. We look at what matters to you, because you and your business matters to us.

Meet our Treasury Management Team

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Customer Survey

Take our survey and help us be awesome!


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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. 
 
 
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Community Events

Take a look at our events and see which ones you can attend!

Community Events

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Locate an ATM

Find the closest ATM when you need it the most.

ATM Locations

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Financial Calculators

Plan ahead by using our calculators.

Financial Calculators

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