Personal Banking

Checking | Savings | Certificates of Deposit | IRAs l Lending l Other Services

Checking Products

Citizens State Bank offers several types of checking accounts designed to provide you with a variety of features, benefits, and added services to meet your specific needs.

CSB Free Checking
CSB Premium Checking
CSB Preferred 55 Checking


CSB Free Checking
Simple, worry-free checking that gives you exactly what the name suggests – a convenient checking account that’s free of monthly and per check charges. There is no minimum balance required for this account! Here’s what you get:

• No minimum balance required
• No monthly maintenance fee
• No per check charges
• Unlimited check writing
• Internet banking
• Bill payment
• Visa Check Card*
• Use our ATM machines for free!
• Monthly statement

CSB Premium Checking
We will pay you interest, and if you keep $500 or more in your account, there are no maintenance fees! You may earn a higher interest rate if you keep a higher balance in your account. Check rates here

• Interest will be credited every month.
• $500 minimum balance
• $15 monthly maintenance fee if the account falls below $500 any day of the statement cycle
• Unlimited check writing
• VISA Check Card*
• Use our ATM machines for free!
• Internet banking
• Bill payment
• Monthly statement with optional check images

CSB Preferred 55 Checking
We value your business and want your checking account to be as simple and inexpensive as possible.

• For individuals 55 years or older
• No minimum balance required
• No monthly maintenance fees
• No per check charges
• Unlimited check writing
• Visa Check Card*
• Use our ATM machines for free!
• Internet banking
• Bill payment
• Monthly statement with optional check images
• Free printed checks – limited styles and quantities

*Subject to approval


Savings Products

Any time is a good time to start saving for the future. Open a savings account today!

Statement Savings
Money Market Interest Savings/With Checks
Christmas Club Savings
Young Citizens Savings



Statement Savings
Choose a statement savings account if you prefer to receive a monthly statement of your savings account activity or if you have electronic transactions processed through your savings account. Check rates here

• $50 minimum balance requirement
• $3 monthly maintenance fee if account balance falls below $50 any day of the month
• 6 free withdrawals per month; $1 per withdrawal in excess of 6

Money Market Interest Savings/With Checks
Don’t write many checks? This account pays you interest and if you keep $2,500 or more in your account, you pay no maintenance fees. And, the more you keep in your account, the higher your interest rate may be! Check rates here

• Money market interest will be credited every month.
• $2,500 minimum balance requirement.
• $7 monthly maintenance fee if the account falls below $2,500 any day of the statement cycle, plus $2 per debit if the average balance falls below $2,500 for the statement cycle.
• Up to 6 withdrawals/transfers per month
• Monthly statement with optional check images

Christmas Club Savings
It can be hard to come up with the cash to do all the giving you want to do at Christmas time. This account will help you put some money away each week so it’s there when the holiday season comes. Check rates here

• $5 minimum balance requirement
• 50 Week savings program
• Weekly payments of $5, $10, $20 or more
• Balances and interest paid just in time for Christmas shopping

Young Citizens Savings Account
Our Youth Savings account is designed for children under 14. The account is held jointly with a parent or guardian. Check rates here 

• No minimum balance requirement
• No monthly maintenance fees
• 6 free withdrawals per month; $1 per withdrawal in excess of 6

Certificates of Deposit (CD)

• Savers IRA – It’s a savings account that is an IRA! With the CITIZENS SAVERS IRA, a small automatic deposit per week, or per month, is all it takes to get an IRA started.
• Fixed rate and fixed term IRA products

Lending Services

Citizens State Bank offers a variety of lending services to meet the needs of our community.

Consumer Loans

• Automobiles Check rates here
• Motorcycles, ATV’s, Boats, Campers, Snowmobiles
• Recreational Vehicles
• Mobile and Manufactured Homes
• Personal Loans, including Bill Consolidation
• Mortgage Loans
• Visa or MasterCard Credit Cards – view your statements and other account information online here
• Print a Consumer Loan Application or Home Loan Application

Contact a lender today at any of our convenient locations.


Other Services*

Internet Banking
With CSBank Online 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)

ATM Services
Use your Citizens State Bank Checkcard or ATM card at any of our ATMs for free.

• 505 S. Main Street, Cadott, WI
• 17153 Cty Hwy J, Chippewa Falls, WI

If your Citizens State Bank Checkcard or ATM card is lost or stolen, please call (800) 554-8969 and notify Citizens State Bank at (715) 289-4253

Check Ordering

• Order checks at any of our locations.
• Reorder online

Safe Deposit Boxes
Safe Deposit Boxes are available at all of our locations. Sizes ranging from 2X5 to 10X10.

More Services
The following services are also available at all locations:

• Automatic transfers
• Bank-by-mail
• Cash advances
• Cashiers checks
• Coin counters
• Direct deposit
• Night depository services
• Notary service
• Savings bond redemption
• Wire transfers

*Some fees may apply.