Personal Checking

We are proud to offer some of the BEST Checking accounts in Minnesota!
Click here to view the complete details of our personal checking accounts. Our Wright Time Club and MY Checking accounts offer great rates, free and discounted services and more! Don’t settle for less. We want to be YOUR bank and we’ll reward you with great products and service.

Click here to view our complete Personal Banking Brochure.

It's easy to apply!
Complete our application and bring it with you when you meet with a banker, or you can mail or drop it off to get the process started. Please DO NOT EMAIL your completed application to us. We want to ensure your privacy and security.

Bank with us and keep the community strong.
When you bank with us, your money stays in the community. We reinvest our resources locally to help individuals, families, businesses and non-profits grow and prosper. Let's work together to help our community thrive.

Enjoy 24/7 convenience with Online Banking, Mobile Banking and Telephone Banking, too!
Learn more about these in the Digital Banking section of our website.

Digital Payments? Yes, you can!
Enjoy the convenience of Apple Pay ®, Google Pay ®, Samsung Pay ® and VISA ® Checkout using our Digital Wallet service. Each wallet has its own unique security features and gives you flexibility on how you choose to pay. To enroll, find and follow the prompts on your smartphone.

Go GREEN with eStatements.
They are safe, secure and environmentally friendly! With mailbox theft on the rise, you can receive your bank statements through our secure website and avoid the risk. Eliminate paper and storage needs, too! Print a copy if you need it. There is no fee, so log in to Online Banking and sign up for eStatements today!

Enjoy peace-of-mind with ID TheftSmart™.
Identity Theft occurs when someone invades your life, taking pieces of your personal information to use as their own. Generally, they are looking to obtain credit in your name to buy merchandise or obtain cash without being identified. There can be non-credit components too, such as fraudulent addresses, criminal data, DMV records and more. Our ID TheftSmart™ gives you peace-of-mind with protection, detection and restoration services. Talk with a Banker about purchasing this added protection.

Moving your accounts to Citizens State Bank is EASY.
We created a Switch Kit that has everything you need to move your accounts from your old financial institution. You can mail your requests to close accounts, change automatic payments and change direct deposits. You don’t even have to visit your old financial institution in person.

Please contact us for assistance.