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You must deposit $100 to open this account. A minimum balance fee of $8 will be imposed every statement cycle if the balance falls below $600 any day of the cycle. No minimum balance charge is assessed if the account has three (3) or less withdrawals per statement cycle, excluding electronic fund withdrawals.

 

You must deposit $100 to open this account. A minimum balance fee of $15 will be imposed every statement cycle if the balance falls below $2,000 any day of the cycle. No minimum balance charge is assessed if the account has three (3) or less withdrawals per statement cycle, excluding electronic fund withdrawals.

You must be at least 55 years of age to have this account. To open a Star Citizens account, you must deposit $1,000.00. A minimum balance charge fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. No minimum balance charge is assessed if the account has three or less withdrawals per statement cycle, excluding electronic fund withdrawals. Account features include: free checks (bank stock), free travelers checks, 25% discount on safety deposit box as long as the account is open.
Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week at our discretion. Interest will be compounded monthly and credited to your account every month.

To open a NOW Account, you must deposit $1,500. A minimum balance fee of $10 will be imposed every statement cycle if the balance falls below $1,500 any day of the cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items, such as checks. Interest will be compounded and credited to your account every month.
Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week, at our discretion.

To open a SuperNOW Account, you must deposit $10,000. A minimum balance fee of $10 will be imposed every statement cycle if the balance falls below $10,000 any day of the cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items, such as checks. Interest will be compounded and credited to your account every month. A debit fee of $.25 will be charged for each debit in excess of twenty (20) during a month.
Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week, at our discretion.

Money Market Investors' Accounts require a $2,500 deposit to open. A minimum balance fee of $10 will be imposed every statement cycle if the balance falls below $2,500 any day of the cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items, such as checks. Interest will be compounded and credited to your account every month.  Transfers from a Money Market Investors' Account to another account or to third parties by preauthorized, automatic, telephone, computer transfer, or by check, draft, or similar order to third parties are limited to six (6) per monthly statement cycle. A debit fee of $10 will be charged for each debit in excess of six (6) during a month.
Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week, at our discretion.

Rate information  -  Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of  rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month.  Interest will be credited to your account every month.
Effect of closing an account  -  If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account  -  You  must deposit $10,000.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed  -  You must maintain a minimum balance of $100,000 in the account each day to obtain the disclosed annual percentage yield.
Minimum balance to earn interest  -  You will not earn interest on any day that your daily balance is less than $100,000.00.
Daily balance computation method – We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations – Transfers from a Super Money Market Account to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check, draft, or similar order to third parties are limited to six per monthly statement cycle.
Fees – A debit fee of $10 will be charged for each debit in excess of six per monthly statement cycle.

To open a Savings Account, you must deposit $200. A minimum balance fee of $2 will be imposed every statement cycle if the balance falls below $200 any day of the cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items, such as checks. Interest will be compounded and credited to your account quarterly. Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to three (3) per quarterly statement cycle. A debit fee of $2 will be charged for each debit in excess of three (3) during a quarterly statement cycle.
Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week, at our discretion.

Rate Information – Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account every week.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month.  Interest will be credited to your account every month.
Effect of closing an account - If you close your account before your interest is credited, you will not receive your accrued interest.
Daily balance computation - We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees - An annual fee of  $25.00 will be charged at the end of the first year and annually thereafter.  An initial set-up fee of $25.00 will be charged at account opening.

Age requirement  -  You must be at least 62 years of age to have this account.
Minimum balance to open the account  -  You  must deposit at least $300.00 to open this account.
Minimum balance to avoid imposition of fees  -  A minimum balance charge fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.  No minimum balance charge is assessed if the account has ten or less withdrawals per statement cycle.

You may make arrangements for certain direct deposits to be accepted into your Checking and Savings accounts at no extra charge.

You may make arrangements to pay certain recurring bills from your Checking or Savings accounts at no extra charge.

You may access your account(s) by ATM using your ATM card and personal identification number (PIN) to:• make deposits to checking and savings account(s)
• make cash withdrawals from checking and savings account(s)
• transfer funds from savings to checking or vice versa
• get information about your balances
Some of these services may not be available at all terminals and fees will be assessed on nonproprietary machines.

Forms Download Center

Forms & Applications are available in Portable Document Format (pdf files) as a convenience. They must be printed and returned, bearing original signatures, to Citizens State Bank by conventional methods (mail or courier) before they will be considered valid requests. Addresses for our banking centers are located on the Home Page of this web site.

Consumer Loan Application	Application
Uniform Residential Loan Application (Purchases, Home Improvements, and Home Equity Loans)	Bill Payment Feature Application
"Buying Your Home" Settlement Costs Guide from H. U. D.	ATM Card Request Form
Application For Non-Residential Real Estate Loans	Debit Card Application
Obtain Student Loan Information From Sallie Mae
Personal Financial Statement spreadsheet	www.annualcreditreport.com Request a free credit report, once every 12 months from Equifax, Experian and TransUnion
	Clarke American Checks

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Citizens State Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Also included are low-interest NOW accounts (NOW accounts that cannot earn more than 0.5% interest) and IOLTA accounts. This unlimited insurance coverage is temporary and will remain in effect through June 30th, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

Our bank has chosen not to participate in the FDIC Debt Guarantee Program. We are well positioned to meet the needs of our customers without that program. Therefore, we didn't think it was necessary or appropriate for our bank to take this option.

The FDIC temporary increase in the standard maximum deposit insurance amount (SMDIA) to $250,000 per depositor is in effect through December 31, 2013

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