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 your accounts 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 place and time or use our Account Finder to identify the right account for your needs. Plus, refer a friend and both of you 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!


Lizzie Nygaard - Hudson Office
 
"I love meeting new people and working with customers to help them achieve their 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!"

acook@csbnet.net

Text/Call - 715-760-9490

NMLS#2158335

Matt Scholtz - Woodville Office

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

mscholtz@csbnet.net

Text/Call - 715-245-2785

NMLS#679774

Amanda Novak - Menomonie Office

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

anovak@csbnet.net

Text/Call - 715-235-3164

NMLS#2065896

Veronica Linngren - Elmwood Office

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

vlinngren@csbnet.net

Text/Call - 715-670-3074 

NMLS#2483195

Maria Machtemes - VP Retail Banking

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

mmachtemes@csbnet.net

Text/Call - 715-377-7004

NMLS#163789

Enjoy Perks Like Never Before

From earning interest on your balances to unlimited transactions, Citizens State Bank, your Wisconsin and Minnesota community bank, has totally free commercial or personal checking accounts that 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!

We also offer Wisconsin and Minnesota businesses a wide variety of checking accounts . A hassle-free way to manage your earnings and finances. With these accounts, you can withdraw or deposit your funds efficiently.


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 your 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 customers 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- Citizens State Bank, your Wisconsin community bank, our 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.