Every personal checking account has these amazing FREE products & services.
Free Debit/ATM card • Free Online Banking • Free Bill Pay
Free Debit/ATM card • Free Online Banking • Free Bill Pay
Free Mobile Banking with Mobile Deposit • Free E-Statements • Free Thank You Gift
Totally Free Checking
Our free checking account is perfect for anyone looking for simplicity and convenience without hidden fees. This account makes everyday spending easy, whether you’re managing your first bank account or looking to switch to a local bank that values transparency.
With no balance requirements and no monthly service fees, it’s a truly worry-free way to manage your money. Plus, you’ll enjoy all the perks of modern banking like mobile deposits, debit card access, and online bill pay backed by a local bank you can trust.
Benefits Checking
For those who want a checking account that does more, Benefits Checking offers extra layers of protection and perks you won’t find with standard accounts. Enjoy peace of mind knowing you’re covered with identity theft restoration, cell phone protection, and roadside assistance—plus discounts on travel, dining, and entertainment.
At only $6.95 per month, Benefits Checking provides everyday value and security, designed to make your financial life easier and more rewarding.
Premium Interest Checking
Earn more with every deposit through Premium Interest Checking, the perfect choice for those who maintain higher balances and want to see their money work harder. This account merges the adaptability of a checking account with the earning capabilities of a savings account.
Maintain a balance of $1,500 or more to enjoy premium interest rates, or stay competitive even if your balance dips below that threshold. It’s a simple, rewarding way to grow your funds while keeping them accessible for everyday use.
Learn More50+ Checking
For our customers aged 50 and over, 50+ Checking offers the ideal blend of flexibility, savings, and simplicity. You’ll earn interest on your balance while avoiding monthly fees and enjoy the added benefit of free personalized checks.
This account is designed to make your banking experience as effortless as possible, whether you’re managing retirement income or simply looking for a dependable everyday account backed by friendly, local service.
Citizens Select Money Market
If you’re looking to earn higher returns while maintaining easy access to your funds, the Citizens Select Money Market Account is an excellent choice. With tiered interest rates that increase as your balance grows, you’ll see your savings compound faster while keeping liquidity when you need it.
Enjoy the flexibility of check-writing privileges and online transfers, plus the confidence of knowing your money is insured and secure with a local Wisconsin bank you know and trust.
Learn More
Health Savings Account
Take control of your healthcare spending with a Health Savings Account from Citizens State Bank. Ideal for individuals with high-deductible health plans, this account allows you to save pre-tax dollars for medical expenses all while earning interest on your balance.
Use your HSA to pay for qualified expenses such as prescriptions, doctor visits, and dental or vision care, and enjoy the flexibility to roll over unused funds year after year.
How to Choose the Right Checking Account for You
When it comes to finding the best checking account, your financial habits matter.
Ask yourself:
- Do I prefer an account with no monthly fees?
- Am I looking to earn interest on my balance?
- Do I want added benefits like cell phone protection or identity theft coverage?
Banking Made Simple With Citizens State Bank
Every checking account includes access to Online Banking, Mobile Banking with Mobile Deposit, and Bill Pay, all free of charge. You can monitor your spending, transfer funds, pay bills, or deposit checks from anywhere, anytime.
As a local community bank, we focus on combining small-town service with modern digital convenience. Whether you visit one of our branches or bank on the go, you’ll always have secure, reliable access to your money.
Open a Checking Account Today
Ready to experience community banking done right? Whether you’re looking to simplify your finances, earn more on your balance, or enjoy added benefits and protection, Citizens State Bank has the perfect checking account for you.
OPEN AN ACCOUNT TODAY
It only takes a few minutes!
Banking on your time.
Get access to your finances whenever you are available, to view transactions, make a transfer, pay bills, and much more!