Savings Accounts

Select a Savings Account (from the list below) to fit your financial situation. Complete the New Customer Information. 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.

*We are proud to make this disclosure

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Regular Savings

This account is ideal for someone who wishes to put money aside from a checking account, but wants access to their account at any time.

  • Earns a competitive rate of interest
  • Can be opened with a minimum deposit of $50.00
  • There is no minimum for persons under the age of 14
  • Paper Statement Fee $2.00 a month
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Money Market Savings

This savings account is designed for the person who maintains a minimum balance of $2,500.

  • Can draw a higher rate of interest than a Regular Savings Account
  • There is a $10.00 maintenance fee if the balance drops below $2,500
  • Paper Statement Fee $2.00 a month
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Christmas Club Savings

A Christmas Club account at Citizens State Bank & Trust Company is a great way to save for that special gift. Best of all, you will earn interest while you save for the holidays.

Below is a list of Christmas Club accounts available:

  • $ 5.00 per week = $ 250.00
  • $10.00 per week = $ 500.00
  • $15.00 per week = $ 750.00
  • $20.00 per week = $1,000.00
  • $25.00 per week = $1,250.00
  • $30.00 per week = $1,500.00

There is a $2.00 a month fee for Paper Statements

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Health Savings

This is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents.

  • There is no minimum deposit required