Personal Checking Account

Looking for a Totally Free Checking Account to manage your finances in Wisconsin or Minnesota? Citizens State Bank offers flexible checking account options to fit your lifestyle and financial situation. With convenient access to funds, minimal maintenance fees and easy deposits, you can manage your finances easily and securely. Open today to enjoy hassle-free banking.

Ease and Convenience Like Never Before

Can't visit the bank? Meet with our relationship managers at your preferred time or use our Account Finder to identify the right account for your needs. Plus, refer a friend and both may be eligible for a FREE gift!
Every personal checking account has these amazing FREE products & services.
  • Free Debit/ATM card
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free E-Statements 
  • Free Thank You Gift

We are here for you!

Becky Watts-Ruecker  - Hudson Office
"I love buiding long lasting relationships to help people find the right fit for their financial needs and goals"
Text/Call - 715-377-7008

April Cook - Roberts Office

"I love helping customers understand how our products and services can best suit their needs!"

Text/Call - 715-760-9490


Matt Scholtz - Woodville Office

"I love getting to meet new people and help their dreams come true."

Text/Call - 715-245-2785

Amanda Novak - Menomonie Office

"I love getting to meet new people and getting to know their life story!!"

Text/Call - 715-235-3164


Veronica Linngren - Elmwood Office

"I enjoy working with customers and helping them find the products that make their lives easier!"

Text/Call - 715-670-3074 

Maria Machtemes - VP Retail Banking

"I enjoy working with customers to find the best financial solutions to meet their individual needs."

Text/Call - 715-377-7004


Enjoy Perks Like Never Before

From earning interest on your balances to unlimited transactions, the Citizens State Bank, your Wisconsin and Minnesota community bank, totally free checking accounts provide customers with the financial freedom they deserve. Experience top-notch customer service and the convenience of online and mobile banking. We'll even buy back your unused checks and debit cards from other financial institution!

Benefits Checking                                             
Experience banking like never before with Benefits Checking -  the perfect account for individuals seeking unmatched value. Get exclusive perks, rewards and personalized features. Click here to learn more. 
  • Cell phone protection
  • Identity theft assistance
  • Roadside assistance
  • $10,000 accidental death insurance
  • Shopping, dining and travel discounts
  • Only $6.95 per month

Premium Interest Checking

Unlock the full potential of your savings with a Premium Interest Checking account, designed for those who want to earn a higher interest rate on their deposits. 
  • FREE personalized checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive Interest rate if balance falls below $1,500
  • Only $6 monthly charge if minimum balance falls below $1,500

50+ Interest Checking

Are you saving up for retirement or a significant life transition? Created for members 50 years old and above, the 50+ Interest Checking allows you to earn higher interest with no maintenance fees.
  • FREE personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Totally Free Checking

Maintenance fees quickly add up over time. Suppose you're like us and enjoy anything free- the Citizens State Bank, your Wisconsin community bank, Totally Free Checking Account offers customers all the benefits of a checking account without the burden of paying monthly maintenance fees. 
  • No minimum balance
  • No monthly service charge 

Start your journey to financial success today with CSB's personal checking accounts.