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Business Banking Checking Products l
Lending Services l Other
Services
Checking Products
Our business 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 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)
- Free check safekeeping and check and deposit images returned with
monthly statement
CSB 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
- 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 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)
For more information, contact
Jodi O'Brien at 715-720-3670, Neil Mathwig or Ian Kopp at 715-289-4253, or
Steve Maier at 715-726-2111.
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.
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.
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)
Check Ordering
Other Services
- Treasury tax payments
- Night depository
- Notary services
- Cashiers checks
- Gift Cards
- Safe deposit boxes
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