Savings Accounts

We offer a variety of savings accounts to help you meet your needs. Compare our savings options to find the right choice for you.

Personal IMMA

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  • $2,500.00 deposit to open account.
  • $5.00 monthly service charge.
  • 50¢ per debit transaction (withdrawal, check paid, automatic transfer or payment out of account).
  • Interest compounded and credited monthly using Daily Balance method.
  • During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes online banking account transfers and bill payments.
  • Free Online Banking, Online Billpay, and Mobile Banking*.
Interest rates and annual percentage yields may change according to bank discretion. Please contact our customer service representative by phone or in person for details.

*The Citizens State Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.

Commercial IMMA

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  • $2,500.00 deposit to open account.
  • $5.00 monthly service charge.
  • 50¢ per debit transaction (withdrawal, check paid, automatic transfer or payment out of account).
  • Interest compounded and credited monthly using Daily Balance method.
  • During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes online banking account transfers and bill payments.
  • Free Online Banking, Online Billpay, and Mobile Banking*.
Interest rates and annual percentage yields may change according to bank discretion. Please contact our customer service representative by phone or in person for details.

*The Citizens State Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates. Interest rates and annual percentage yields may change according to bank discretion. Please contact our customer service representative by phone or in person for details.

*The Citizens State Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.

Regular Savings

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  • $50.00 to open an account.
  • $50.00 minimum balance to avoid a monthly service charge.
  • $3.00 quarterly service charge.
  • $3.00 excess debit fee withdrawal over 3 per quarter.
  • Interest compounded and credited quarterly using Daily Balance method. Daily Balance determined by the application of a daily periodic rate to the full amount of the principal in the account each day.
  • Interest rates and annual percentage yields may change according to bank discretion.
  • Free Online Banking, Online Billpay, and Mobile Banking*.
*The Citizens State Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.

If you close your account before interest is credited, you will not receive the accrued interest. During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party.

Certificate of Deposit

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A Certificate of Deposit is an excellent way to set aside funds for a pre-determined period maximizing your interest earnings while protecting your funds in an FDIC insured savings vehicle. The Citizens State Bank offers a wide array of Certificate of Deposit terms and can tailor the perfect CD to meet your savings needs, including IRA's.

  • Interest will be credited to your account or paid to you monthly, quarterly, semi-annually, annually, at maturity or as agreed upon.
  • After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.
  • Daily Balance method used to calculate interest on your account determined by the application of a daily periodic rate to the full amount of the principal in the account each day.
  • Interest compounded and credited monthly using Daily Balance method. Daily Balance determined by the application of a daily periodic rate to the full amount of the principal in the account each day
  • Interest begins to accrue on the business day you deposit any non-cash item.
  • APY assumes interest will remain on deposit until maturity.
  • Free Online Banking, Online Billpay, and Mobile Banking*.
*The Citizens State Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.

Citizens State has always provided a skillful and personal solution to my checking needs. I would go nowhere else.

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Online Banking

Visit Online Banking where you can access your The Citizens State Bank accounts, transfer money, and utilize bill pay for all your regular vendors and one-time payees.

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