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Personal Banking / Personal Checking

Personal Checking

Now Checking

  • Interest-bearing checking account with interest paid monthly. 
  • Monthly statement with no checks returned. 
  • Imaged copies of returned checks can be included for an additional $5 monthly. 
  • $5 monthly service fee if the balance falls below $1,000.
  • Money orders, cashier’s checks and travelers checks issued at no charge.
  • Combined monthly statements.
  • Free debit card.
  • Free ATM access to terminals using the Money Pass network.
  • Free Bill Pay up to 25 transactions
  • Free overdraft protection when linked to a regular savings account at Citizens State Bank.

Classic Club Checking
For individuals 55 and older

  • Interest-bearing checking account with interest paid monthly on balances over the minimum.
  • Imaged copies of your returned checks.
  • Free 3"x5" safe deposit box for one year (while supplies last).
  • Free basic personal checks.
  • Free money orders, cashiers checks, VISA Gift cards, and VISA Travel cards.
  • $100 initial deposit with a continual minimum balance of $100 to avoid a $5 monthly service fee.
  • Combined monthly statements.
  • Free ATM access to terminals using the Money Pass network.
  • Free internet banking.
  • Free Bill Pay up to 25 transactions.
  • Free overdraft protection when linked to a regular savings account at Citizens State Bank.

Personal Checking (non-interest bearing)

Free Checking

  • $50 initial deposit with no minimum balance required.
  • Monthly statement with no checks returned.
  • No monthly, per-check, or deposit fee.
  • Combined monthly statements.
  • Free ATM access to terminals using the Money Pass network.
  • Free Internet Banking.
  • Free Bill Pay up to 25 transactions.
  • Free overdraft protection when linked to a regular savings account at Citizens State Bank.

Basic Checking

  • $200 initial deposit with no minimum balance required.
  • Monthly statement with imaged copies of checks.
  • Service fee of $5.
  • Combined monthly statements.
  • Free Debit Card
  • Free ATM access to terminals using the Money Pass network.
  • Free Internet Banking.
  • Free Bill Pay up to 25 transactions.
  • Free overdraft protection when linked to a regular savings account at Citizens State Bank.