Business Checking

Running a business can be challenging, but managing your finances doesn't have to be. With Citizens State Bank Business Checking Accounts, customers across Wisconsin and Minnesota can access free online and mobile banking tools, competitive rates and low fees. Our accounts help you manage your finances with ease, so  you can focus on growing your business. Experience the benefits of Citizens State Bank's Business Checking Accounts today. 


Freebies Galore with Citizens State Bank Checking Accounts

Opening a business checking account has never been more rewarding. Enjoy a range of freebies when you sign up for your own Citizens State Bank, your Wisconsin and Minnesota, community bank, all-in-one business checking solutions. Should you need assistance, our business bankers will meet you wherever you need to. Choose Citizens State Bank today for seamless financial management and growth.

  • Free Business Debit/ATM card 
  • Free Online Banking 
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free E-statements with online images
  • Free Thank you gift
  • Buy back of your unused checks and debit cards from another financial institution
  • Send Invoices to customers and receive payment via ACH or Credit Card 
Tava Elllingson
Phone/Text: 715-377-7015 
Meet Tava Ellingson, our Business Services Officer, who will work with you to find the best bank accounts to fit your business goals. Tava works hand in hand with our Business Bankers who specialize in business lending. She will also help you with cash management services by working closely with our digital banking department . Tava will be here for you, not only at the beginning of your banking relationship, but throughout your relationship with Citizens State Bank. 

Account Types

Commercial Checking

With Commercial Checking, businesses with more complex financial needs can streamline their banking operations and maximize  efficiency. This account comes with all the benefits of our standard business checking accounts, including cash management services. 
  • Earnings credit allowance on deposit balances may offset activity fees
  • Only $15 monthly service charge
  • Transaction items are just 15 cents each
  • Coin and currency deposits just 50 cents per $1,000

Business Interest Checking

Business Interest Checking is the perfect solution for businesses with higher balances. With competitive interest rates, this account helps your money work harder for you. Enjoy the convenience of online and mobile banking, free bill pay, and our team of dedicated business bankers are available.

  • 1,000 FREE monthly transaction items
  • Competitive interest
  • Only $5,000 minimum balance to avoid a low monthly fee of $6
  • Up to $10,000 currency deposited per month FREE

Totally Free Business Checking

Keep your business finances simple and straightforward with our Totally Free Business Checking Account. With no monthly maintenance fees or minimum balance requirements, this account is perfect for most businesses. Enjoy the following benefits when you open an account:
  • 1,000 FREE monthly transaction items
  • No minimum balance
  • No monthly service charge
  • Up to $10,000 currency deposited per month FREE

Citizens Select Money Market

Earn competitive interest rates while enjoying easy access to your money with our Premium Money Market Account. Whether you are saving for a specific goal or simply looking for a better return on your balance, this account is an ideal choice for those who want to make their money work harder.


Open a Business Checking Account today and experience the convenience and profitability of banking with Citizens State Bank.