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Agricultural Banking

Checking Products l Lending Services l Other Services


Checking Products



At Citizens State Bank, we recognize that your agricultural business has many of the same challenges as other industries. Our checking accounts are designed to offer you both convenience and cost savings.

CSB Small Business Checking
CSB Business Checking
CSB Business Interest Checking

CSB Small Business Checking
Running your business has a lot of challenges. Your checking account doesn’t have to be one of them. This account is designed for farmers that want to keep things simple.
  • No monthly maintenance fee
  • No minimum balance
  • No charge for the first 50 debits per statement cycle

A service fee of $.25 will be assessed per debit in excess of 50 per month. Check and deposit images are available for a $5.00 monthly fee.

CSB Business Checking
Earnings credit makes this a potentially free account providing flexibility and services for all farmers, regardless of size.

  • $5 monthly maintenance fee
  • $.15 service charge per debit
  • $.07 per check deposited (no charge for checks drawn on Citizens State Bank)
  • Earnings credit of $.15 per $100 of available balances (this will offset fees only)
  • Check and deposit images returned with monthly statement

CSB Interest Checking
An interest bearing account designed for farmers that are sole proprietors. Contact us for current interest rates.

  • No monthly service charge if $1,000 minimum daily balance is maintained
  • Interest paid on average available balance
  • Check and deposit images returned with monthly statement

There is a monthly service charge of $15.00 if the minimum balance is not maintained.


Lending Services



With experienced relationship-oriented lenders, Citizens State Bank is uniquely qualified and conveniently located to serve all of your agricultural business borrowing needs.
  • Operating lines of credit
  • Term loans
  • Equipment loans
  • Agricultural real estate loans

Our lenders will also help you utilize local, state, and national financial assistance programs such as:

  • WHEDA Wisconsin Housing and Economic Development Association (WHEDA)
  • United States Small Business Administration (SBA)
  • United States Department of Agriculture Farm Service Agency (USDA FSA)

Other Services



Internet Banking

With CSBankOnline you can:
  • Check balances
  • Transfer funds
  • See images of cancelled checks
  • Make loan payments
  • Set up CSBill Pay-e and pay bills
  • View previous checking and savings account statements

Telephone Banking
Convenient, free 24-hour banking by phone

  • Call 715-289-4258 or 1-866-720-BANK (2265)
  • Check balances
  • Review transactions
  • Transfer funds between accounts
  • Receive a fax of your transactions
  • Click here for a menu map in PDF format. (Requires Adobe Acrobat Reader)

Wire Transfers

Wire transfers are the fastest and most direct method to transfer funds between businesses, especially over great distances. All of our locations provide incoming and outgoing wire transfer services.

Check Ordering

Other Services

  • ATM services
  • Cashiers checks
  • Night depository
  • Notary services
  • Safe deposit boxes

     
CSBank Online | CSBill Pay-e | P