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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
- Free check safekeeping
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)
- Free check safekeeping and 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
- Free check safekeeping and 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)
For more information, contact Steve Maier at 715-726-2111.
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
Overdraft Privilege
Rather than automatically returning your checks unpaid when
you make a mistake or write a check for more money than you have
in your checking account, as another convenient customer
courtesy, we will consider payment of your reasonable
overdrafts.
Overdraft Privilege is purely a discretionary service in which:
- Payment of reasonable overdrafts is considered
- The normal insufficient funds fee is applied
- Some restrictions apply and is not available with all accounts
Ask a customer service representative for more information on Overdraft
Privilege.
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
- Gift cards
- Night depository
- Notary services
- Safe deposit boxes
- Treasury tax payments
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