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
What is a Rule Breaker CD?
You guessed it, it is one where the traditional CD rules don't apply!
- 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.
Never share you log in credentials for online banking with anyone. The bank will never call you and ask you for them. Also never click on any attachment or link in an email that you are not expecting. You can always verify by calling 715-386-9050 or your local branch.
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.
Business Account
Fraud Protection
Check fraud is on the rise and if you are issuing checks you could be at risk. Unfortunately there are many scams and schemes out there to take your hard earned money. There are many ways to help protect your account. Citizens State Bank can help! Click on the products listed below to learn more!
A check verification process
Set alerts and notifications for all or specific transactions in real time.
View accounts
Originate ACH Payments
Secure Direct Deposit Payroll
Electronic Statements
Security Solutions Built for Business
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
Seas the Savings - FREE Beach Bag
Get your Totally Free Beach Bag 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