Checking Accounts

We offer a deposit product to meet your needs.

If you’re with another institution, switch your Accounts to Citizens State Bank & Trust anytime from anywhere. It’s quick and easy with our Switch Kit.

*We are proud to make this disclosure

Electronic Checking

This account is designed for people who wish to use modern technology for maximum convenience while also keeping costs to a minimum.

  • FREE online and telephone banking
  • FREE internet Bill Payment
  • FREE ATM or check card (for those who qualify)
  • Must receive bank statement electronically via email
  • Must have one direct deposit a month or $5.00/monthly fee

Regular Checking

This account is designed for people who write a relatively large number of checks, and wish to have their check images returned to them.

  • Unlimited check writing
  • FREE ATM or check card (for those who qualify)
  • FREE online and telephone banking
  • 90 days FREE bill payment, after 90 days $4.95 a month
  • $2.00/month maintenance fee and $.15/withdrawal item

NOW Account

This account is for the person who wishes to earn interest on their collected balance and maintains at least $750 in the account at all times.

  • Earns a competitive rate of interest
  • Unlimited check writing
  • FREE ATM or check card (for those who qualify)
  • FREE online and telephone banking
  • 90 days FREE bill payment, can qualify for FREE bill payment, but must receive statement electronically, otherwise after 90 days bill payment is $4.95 a month
  • No maintenance fees as long as a minimum of $750 balance is maintained. If the balance drops below $750 there is a $10 charge; however, the account still earns interest.