By accessing this site the User acknowledges that even though security measures have been taken by the Owner and the Host of this site, the Internet should be used with caution. Concerns about the possible lack of privacy, vulnerability to viruses, and the acceptance of "cookies" are the responsibility of the User.

The Internet Banking Section "CitizensNet Banking" is for authorized users only. Any attempt to enter the secured Internet Banking section is prohibited by federal laws and will be reported to law enforcement authorities.

E-mail communications are considered an informal method of communication between the Sender and Citizens State Bank (and vice versa). Official communications with Citizens State Bank must be made via conventional methods (mail or courier).