Overdrafts can be embarrassing.
So Citizens State Bank offers its customers Sweeps and Stretch credit lines to protect against embarrassing overdrafts. Sweeps transfer funds from another of your Citizens State Bank accounts to cover any overdrafts. Stretch credit lines are a form of pre-approved credit attached to a checking account to cover periodic overdrafts. Some fees and interest apply.

Stretch Loans
This personal, unsecured line of credit can cover checking account overdrafts.
Download Application - PDF

Sweeps
Sweeps are used to transfer funds from another account that a customer has with the Bank (no charge-form attached).
Download Application - PDF