Checking

Your checking account should match your needs and your lifestyle. That’s why Citizens State Bank offers a variety of checking account types.

Not sure which checking account is right for you? Use our Account Finder to the left.

Call or come into one of our locations. We can help you decide too!


Do you like FREE? Every new personal checking account has  these amazing FREE products & service.

  • Free Debit/ATM card
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free E-Statements 
  • Free Thank You Gift
We also will buy back your unused checks and debit cards from another financial institution!

Scroll to the left to view the rest of the table.

Totally Free Checking

A FREE account for everyone!
  • No minimum balance
  • No monthly service charge

50+ Interest Checking

A perfect account for customers 50 and over!
  • FREE personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Premium Interest Checking

An account for those interested in higher interest!
  • 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

Benefits Checking

An account with extraordinary value!
  • Cell phone protection
  • Identity theft assistance
  • Roadside assistance
  • $10,000 accidental death insurance
  • Shopping, dining and travel discounts
  • Only $6.95 per month
For more information on our Benefits Checking click here