Checking Accounts

We offer a deposit product to meet your needs.

Select a Checking Account (from the list below) to fit your financial situation. Complete the New Customer Information Form here.   You may also apply for a debit card which will be directly linked to your checking account.  Apply here. Additionally, we will need the following documents:

  • Copy of your Driver’s License
  • Copy of your Social Security Card*
  • Copy of a bill that you have received by mail. (This is to prove your mailing address.)

*If you do not have your Social Security Card, we can complete a W-9 for you to sign.

We recommend that you either fax these documents along with the completed New Customer Information Form to 785-742-2391, place the documents in our night drop box, or bring the documents to our drive-up at our Garden Bank location.

Do not email these documents to us unless you have access to an email system that can encrypt the documents.

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

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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 Access
  • FREE internet Bill Payment
  • 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 a month fee
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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
  • ATM or check card (for those who qualify)
  • FREE Online Access
  • 90 days FREE bill payment, after 90 days $4.95 a month
  • $2.00 a month maintenance fee and $.15/withdrawal item
  • Paper Statement Fee $2.00 a month
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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
  • ATM or check card (for those who qualify)
  • FREE Online Access
  • FREE internet Bill Payment
  • 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.
  • Paper Statement Fee $2.00 a month
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Senior Checking

This account is designed for people who are age 55 and over.

  • Unlimited check writing
  • ATM or check card (for those who qualify)
  • FREE Online Access
  • 90 days FREE bill payment, after 90 days $4.95 a month
  • Paper Statement Fee $2.00 a month
a woman sitting at a table in front of a laptop computer.

Student Checking

PLEASE CALL US AT (785) 742-2101 FOR FURTHER INFORMATION.