Business Online Banking Suite

Secure Direct Deposit Payroll
Cut costs and streamline your accounting with direct deposit of payroll. Eliminate paper checks and get easy file creation or upload through our Online Banking system. Direct deposit not only saves your business time and money but also increases employee satisfaction by offering fast, reliable paydays. With secure encryption and local support, you can count on smooth payroll processing every time.

Electronic Wire Transfers
Send secure, accurate and same-day outgoing domestic wire transfers directly from your office. Our system includes built-in security features like multi-factor authentication, and our local banking team is always available to verify or assist with your wire requests.

Online Bill Payment
Keep all your bills organized in one convenient online location. You can pay bills quickly, securely and on-time without having to write a check. This feature allows you to stay organized and in control, ensuring your business bills are paid on time—every time.

Account-to-Account Transfers
Securely move funds between your Citizens State Bank accounts as a one-time transfer or as a recurring transfer. You can set up one-time transfers or automate recurring transfers to fund payroll, move money to savings, or manage cash flow across multiple accounts.

Accepting card payments is essential in today’s marketplace. Our Merchant Services, powered by Quantum Merchant Services, our partners,  give you the flexibility to accept major credit and debit cards both in person and online.

If you already process cards, we may be able to offer lower fees or better transaction rates. 

Accepting card payments can help increase your sales, attract more customers, and improve checkout efficiency—all while ensuring secure, PCI-compliant transactions. 

Simplify your invoicing and payment collection using Autobooks to manage your billing and receipts is a simple way to collect payments by credit cards. With Autobooks, you can send invoices, track payments, and accept credit card payments from your computer or mobile device.
This built-in solution is ideal for small and mid-sized businesses that need a simple, affordable way to manage billing without expensive third-party software.

Keep your financial information safe with multi-factor authentication (MFA) and customizable user permissions. You can assign different access levels for team members, such as allowing bookkeepers to view balances while restricting transaction approvals. The control is in your hands for setting up users the way you want to. 
These features ensure every transaction is authorized and traceable, helping prevent internal and external fraud.

At Citizens State Bank, we take pride in providing personalized business banking solutions for Wisconsin businesses of all sizes. When you bank with us, you get more than technology—you get real people who know your business and are committed to helping it grow.
Our Business Online Banking Suite is designed to be secure, flexible, and easy to use, whether you’re managing one account or many. And if you ever need assistance, our local business banking experts are just a phone call or branch visit away.

• 24/7 access to your accounts from anywhere
• Streamlined payroll and payment processing
• Faster deposits and cash flow management
• Fraud protection tools like Positive Pay and MFA
• Integration with accounting software
• Secure, encrypted data connections
• Local customer service and training