Cellphoneprotection877x325
Personal Banking / Student Banking

Student Banking

Personal Checking

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  • Anywhere Banking Tools
    (Internet banking, mobile banking, bill pay, debit card, and E-Statements)
  • Shop local, save local with BaZing savings
  • Cell phone protection1,2
  • ID theft aid1,2
  • Roadside assistance
  • $10,000 travel accidental death certificate2
  • Pharmacy, vision and hearing savings
  • $50.00 initial deposit
  • $6 per month
  • No minimum balance
  • Receive monthly statement
  • Free ATM access to terminals using Money Pass network
  • Free Bill Pay up to 25 transactions 
  • Free overdraft protection when linked to a personal savings account

1Cell phone and personal identity protection are subject to additional terms and conditions.
2Insurance products are not a deposit: NOT FDIC-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, and NOT GUARANTEED BY THE BANK.

Basic Checking

  • Anywhere Banking Tools
    (Internet banking, mobile banking, bill pay, debit card, and E-Statements)
  • Enroll in E-Statements and avoid $2 monthly paper statement fee
  • $100 initial deposit
  • $7 per month if balance falls below $100
  • Receive monthly E-Statement
  • Free ATM access to terminals using Money Pass network
  • Free Bill Pay up to 25 transactions 
  • Free overdraft protection when linked to a personal savings account
350x250 Get The Funds You Need Green

The Smart Option Student Loan® for Citizens State Bank by Sallie Mae®

For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility 
  • No origination fees and no prepayment penalty 
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrows
  • Applying with a creditworthy cosigner may help you quality
  • 100% US-based Student Loan Specialists

To learn more, please get started here.

*We are compensated for the referral of Smart Option Student Loan customers.