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Citizens State Bank
Citizens State Bank

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Earn up to 1.51% APY*!

Designed for those who want to make the most of their deposits, rewarding you for banking electronically.

1.51% APY* on balances up to $24,999 when qualifications are met
(0.35% APY* on balance portion over $25,000)
0.20% APY* on entire balance when qualifications are not met


  • No minimum balance required
  • No monthly fees
  • FREE E-Statements
  • Bill Pay
  • FREE Online Banking
  • No Annual Fee Cash and Debit Card
  • ATM fees refunded**

Qualifying is easy:

  • $50 Initial Deposit
  • Minimum 1 ACH debit/month
  • Minimum 1 ACH credit/month
  • Minimum 15 POS debit card transactions/month***
  • Maximum 10 paper checks/month
  • Enroll and receive electronic statements

* Rates effective as of May 28, 2019. Interest rate and APY (Annual Percentage Yield) may vary after account opening.

** ATM fees refunded up to $20 per month if qualifications are met.

***POS transactions must post and settle to your account during the statement period in order to qualify.

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After hours Lost or Stolen Check or Cash Card:

Federal Trade Commission (FTC) Identity Theft Hotline:

****Be vigilant about scams and other criminal fraud!****

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