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

Meet Our Lenders

Tony Thornton
Chippewa Falls/Lake Wissota
NMLS #846521

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

Checking Products

Our business checking accounts are designed to offer you both convenience and cost savings.

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 businesses 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 businesses, 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 safekeeping and check and deposit images returned with monthly statement

CSB Business Interest Checking

An interest bearing account designed for sole proprietors or qualified nonprofit organizations. 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 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.

CSB Business Indexed Money Market Checking Account

Investment grade earnings with the security of FDIC Insurance.*

  • No monthly service charge if $2,500 average daily balance is maintained.
  • Interest credited and compounded monthly.
  • Write up to three checks or make up to a total of six withdrawals monthly.
  • Interest rate tied to the Wall Street Journal Average Money Market Rate, plus or minus an adjuster, depending on the balance tier.

There is a monthly service charge of $7.00 if minimum balance is not maintained. Contact us for current interest rates.

*Insurable according to FDIC guidelines and limits.

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
  • 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 Funds 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.

Electronic Banking

With CSBankOnline you can:

  • Check balances
  • Transfer funds
  • See images of cancelled checks
  • Make loan payments
  • View previous checking and savings account statements

Business Debit Card

  • Faster than checks and safer than cash
  • Increase your money management capabilities
  • Welcome everywhere Visa® credit cards are accepted

Business Bill Pay

  • Access Business Bill Pay anytime, day or night from this site
  • Schedule regular fixed payments on specified dates, or pay individual invoices
  • Choose when to pay monthly bills
  • Pay Employee Payroll Deposits
  • Utilize the Payroll Tax Administration section to pay taxes
  • Set up multiple-user access for added security

Click Here for more information.

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)

Check Ordering

More Services

  • Night depository
  • Notary services
  • Cashiers checks
  • Safe deposit boxes
  • ACH deposits
  • Wrapped currency and coin rolls

*Some fees may apply.

CSBank Online | CSBill Pay-e | P