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Meet Our Lenders l Checking Products l Lending Services l Other Services

Meet Our Lenders

Tony Thornton
Chippewa Falls
NMLS #846521

Tom Seaholm
Lake Wissota
NMLS #251537

Neil Mathwig
Cadott/Chippewa Falls/Lake Wissota
NMLS #766468

Ian Kopp
Cadott/Chippewa Falls/Lake Wissota
NMLS #627110

Checking Products

Business Basic 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 small businesses and organizations that want to keep things simple.

Straight forward service charges include a $1.50 monthly service fee and just 15 cents per check or debit clearing the account.

Higher activity accounts may be changed to the Business Analysis Checking as determined by Bank.

Business Analysis Checking

Some businesses write a lot of checks, some just a few. Some businesses carry significant cash balances, some not. This account is tailored just for your business.

A service charge is offset only for the services incurred and the account receives an earnings credit for balances above the activity requirements

Lending Services

With experienced relationship-oriented lenders, Citizens State Bank is uniquely qualified and conveniently located to serve all of your business borrowing needs. You’ll get competitive rates, and fast turn around times with approval decisions made locally by people you know.
  • Operating Lines of credit
  • Term loans
  • Equipment loans
  • Commercial real estate loans
  • Mastercard or Visa Business Credit Cards

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

  • Chippewa Falls Industrial Development Corporation
  • Chippewa County Revolving Loan Fund
  • Village of Cadott Revolving Loan Fund
  • Wisconsin Housing and Economic Development Association (WHEDA)
  • United States Small Business Administration (SBA)

Other Services

Merchant Credit Card Services

By accepting payment by credit card, your business can increase sales, get paid faster, and decrease losses on bad checks. Debit cards are also processed through the credit card approval system. With the increasing popularity of this payment method, your business can also increase sales by accepting debit cards.
  • Accept Visa and MasterCard credit cards and debit cards; Discover and American Express also available
  • Electronic or touch tone capture methods
  • Daily credit through ACH to your account
  • Competitive rates with experienced local service
  • 24 hour support/help-desk

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.

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)

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

Check Ordering

Other Services

  • Night depository
  • Notary services
  • Cashiers checks
  • Safe deposit boxes
CSBank Online | CSBill Pay-e | P