Personal Banking / Student Banking

Student Banking

In Tune Student Checking

  • In Tune$50 initial deposit required
  • No minimum balance.
  • Free debit card.
  • Free bill pay for up to 25 transactions.
  • Free ATM access to terminals using the Money Pass network,
  • Free overdraft protection when linked to a regular savings account at Citizens State Bank.

To qualify for $108.00 in iTunes or Netflix each year:

  • Student must be 15 years or older to qualify
  • Student must provide a high school or college issue ID card at account opening.
  • Student must provide a school class schedule at account opening and annually in August. 
  • Student must provide a valid email address and sign up for E-statements and internet banking.
  • Student must transact 12 debit card transactions per month.

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

350x250 Get The Funds You Need Green

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

The 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:

We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
No origination fees and no prepayment penalty
Borrow up to 100% of school certified education costs (minimum $1,000)
Multiple in-school repayment options available
Borrower benefits available – like rewards and interest rate reductions
Rates that reward creditworthy borrowers
Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
Get a quick credit result by applying online. It's quick, easy, and only takes about 15 minutes to apply.
24/7 online account management

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