The best checking accounts are at Citizens!

Citizens State Bank provides the simplest, best checking accounts in the market. Our accounts are designed with customers’ needs in mind.

Other banks make you jump through hoops with fine print, high minimum balances, mandatory direct deposits and tons of rules to avoid getting whacked with a high monthly service charge. We set our accounts up differently.

Need a free checking account with no minimum balance, no monthly service charge, no minimum number of transactions, a debit card, online banking and bill pay, mobile deposit and choice of paper statements or eStatements? We’ve got it!

Want a checking account that pays interest for balances greater than $1000? We’ve got it!

Are you a business that needs the best accounts while having a bank with staff to handle your business needs? We’ve got it!

While other banks set their accounts up in a confusing matrix to catch customers in fees, we keep it simple and transparent. Dare to compare. We want to be your bank.