Maximize Your Savings With a Rewarding Savings Account at Citizens State Bank
At Citizens State Bank, we understand the value of building a strong financial foundation and offer savings accounts to meet your unique needs. Whether you're saving for a rainy day or planning for a significant investment, our savings account options provide the flexibility and security you need. With a focus on personalized service and community engagement, Citizens State Bank is proud to be a trusted partner for your savings needs in Wisconsin.
Benefits of Savings with Citizens State Bank
A great way to start saving!
- Earn competitive interest
- No minimum balance to open
- Only $5 monthly charge if minimum daily balance falls below $100
- Minimum balance requirements waived for minors
- FREE online banking
Why Save With a Local, Community-Focused Wisconsin Bank?
Citizens Select Money Market
A convenient and effective way to make your money work for you. Watch your interest rate rise as your account balances grow.
- Earn competitive interest rates with our tiered variable annual percentage yield, paid monthly on daily collected balance
Minimum daily balance of $2500 to avoid $15 service charge - No minimum balance to open
- FREE online banking
- Checks are available to order
How to Open a Savings or Money Market Account
Opening a savings account with Citizens State Bank is a straightforward process designed to get you started on your savings journey with minimal hassle. We offer several easy ways to get your account opened.
Contact one of our Persona Bankers Today
Savings Accounts FAQ's
What is the minimum balance requirement for a savings account?
There’s no minimum balance requirement to open a savings account at Citizens State Bank. There’s also no minimum balance requirement for minors. However, for those 18 and older, there is a $5 monthly charge if the daily balance is below $100.
How is interest calculated, and when is it credited to my account?
At Citizens State Bank, interest on your savings account in Wisconsin is calculated daily and paid quarterly.
Can I access my savings account online?
Yes you can! You can also transfer to and from the account, make mobile deposits and receive electronic statements.
Additional Benefits of Saving with Citizens State Bank
- FDIC-Insured Protection: Your deposits are insured up to the legal limit, giving you total peace of mind.
- Easy Transfers Between Accounts: Move money instantly between your Citizens checking, savings, or money market accounts.
- Mobile Banking Convenience: Deposit checks, view balances, and monitor activity on your phone wherever you are.
- Goal-Oriented Savings Tools: Use our calculators and online features to map out your path to financial milestones like buying a home, planning a trip, or building retirement savings.
Whether you’re opening your first account or optimizing your long-term savings strategy, Citizens State Bank is proud to support your financial goals with dependable personal service and strong savings options for Wisconsin residents.
Ready to get started? Contact our Relationship Bankers or visit your nearest Citizens State Bank location today.
Calculators to help you save!
Money Market Account FAQ's
What is the minimum balance requirement for a Money Market account?
There’s no minimum balance requirement to open a money market account at Citizens State Bank. There is a $15 monthly charge if the daily balance is below $2500.
How is interest calculated, and when is it credited to my account?
At Citizens State Bank, interest on your Money Market account in Wisconsin is calculated daily and paid monthly.
Is my Money Market listed as a checking or savings account?
Citizens State Bank Money Markets are listed as a checking account. You will choose checking when making a deposit into this account.
Can I access my savings account online?
Yes you can! You can also transfer to and from the account, make mobile deposits and receive electronic statements.
Comparing Savings Accounts vs. Money Market Accounts
Both savings and money market accounts offer secure ways to grow your funds, but they support different goals:
Standard Savings Accounts
- Best for everyday savers who want:
- A simple, flexible account
- Easy online access
- The ability to save at their own pace
- No minimum balance to open
Money Market Accounts
- A stronger option for savers seeking:
- Higher interest rates
- Check-writing privileges
- Greater earning potential as balances grow
At Citizens State Bank, our Citizens Select Money Market combines the advantages of a traditional savings account with the increased earning power of a tiered-rate structure, all backed by our secure online banking tools.
Banking on your time.
Get access to your finances whenever you are available, to view transactions, make a transfer, pay bills, and much more!