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Ag Leaders.
Out in the Field.

Agriculture Loans

A personal approach to lending from a bank that is proud to help our community thrive by financing its agricultural development.

Work with experienced relationship-oriented agricultural lenders at a bank that is uniquely qualified and conveniently located to serve all of your business borrowing needs.

  • Farm Expansion, Building & Improvement Loans
  • Livestock & Crop Loans
  • Machinery & Equipment Loans
  • Operating Lines of Credit
  • Real Estate & Rural Housing Loans
  • Visa® Business Credit Cards

Get a competitive rate and fast turn around with approval decisions made locally by people you know. We also help you utilize local, state, and national financial assistance programs.

Ag Team

Our Lenders

Serving farms in Cadott, Chippewa Falls, Cornell, Lake Wissota, Prentice, Stanley, Stratford, and the surrounding areas.

Dan Lindeman

715-226-8130

Email Dan

Dan Lindeman

Dan Lindeman

715-226-8130

Email Dan

As Senior Vice President of Ag Lending for Citizens State Bank, Dan Lindeman brings more than 18 years of dedicated experience to farm clients in the Chippewa Valley. He is committed to understanding their financial needs and structuring optimal solutions that meet both their business and personal goals. Prior to his work in lending, Dan and his wife successfully owned and operated a dairy/grain farm for over 25 years. This firsthand experience allows him to offer a unique perspective, focusing on delivering the best possible products and services to help farm clients reach their financial aspirations.

Matt Nunes

Matt Nunes, agricultural lender, started at Citizens State Bank in October 2024. Matt and his family owned and operated Scientific Holsteins for 20 years, just north of Chippewa Falls, Wisconsin, milking 120 registered Holstein cows. He has gained experience working in various dairy operations, encompassing a range of facilities and management styles. Matt is very passionate about Wisconsin's agriculture industry.    

Luke Brzezinski

715-978-0165

Email Luke

Luke Brzezinski

Luke Brzezinski

715-978-0165

Email Luke

Luke Brzezinski joined Citizens State Bank as an agricultural lender in November 2024. His career, which began in 2007, includes three years as a veterinarian in a group practice, followed by five years of independent practice while managing a dairy farm. He then sold dairy equipment and farm management software, leveraging his background in biology for sales and client education. Luke now applies this relational approach to lending, focusing on understanding client operations to tailor solutions and achieve financial goals.

Business Checking Accounts

We understand that every business is different, that's why we offer a variety of easy-to-use checking services. Find the right checking account to fit your business:

CSB Small Business Checking

Designed for businesses that want to keep things simple. This is a non-interest bearing account for nonprofit, owner-operated, start-up, and small businesses with low transaction volumes.

  • No minimum balance
  • 50 debits per statement cycle free
    ($0.25 fee for each additional)
  • Check and deposit images are available for a $5 monthly fee
  • Unlimited check writing, No-fee ATM**, Online Banking*, Bill Pay*, Mobile Banking*
  • Free e-statements or $2/month paper statement fee

CSB Business Checking

Earning credit makes this a potentially free checking account that provides flexibility and services for all businesses, regardless of size.

  • No minimum balance
  • $5 monthly maintenance fee
  • An earnings credit will be applied based on each $100 of available balances. (This willoffset fees only. Please ask representative for effective current earnings credit rate.) $.15 will be assessed per debit. $.07 per check deposited with no charge for checks drawn on Citizens State Bank.
  • Check and deposit images are available for a $5 monthly fee
  • Unlimited check writing, No-fee ATM**, Online Banking*, Bill Pay*, Mobile Banking*
  • Free e-statements or $2/month paper statement fee

CSB Business Interest Checking

This checking account is interest bearing and designed to help you maximize your business.

  • $1,000 minimum current available balance. There is a minimum balance fee of $15 per monthly cycle if the minimum balance is not maintained.
  • Interest paid on current available balance
  • Check and deposit images are available for a $5 monthly fee
  • Unlimited check writing, No-fee ATM**, Online Banking*, Bill Pay*, Mobile Banking*
  • Free e-statements or $2/month paper statement fee

CSB Business Money Market

This is an interest bearing account with potential investment grade earnings.

  • $2,500 minimum current available balance
  • There is a minimum balance fee of $7 per monthly cycle if the minimum balance is not maintained.
  • Interest credited and compounded monthly.
  • Minimum Balance Per Item Fee of $2 will be assessed for each debit presented while current available balance is below $2,500
  • Check and deposit images are available for a $5 monthly fee
  • Online Banking*, Bill Pay*, Mobile Banking*
  • Free e-statements or $2/month paper statement fee

All accounts are FDIC insured according to FDIC guidelines and limits.
* Some fees may apply/subject to approval. ** When using CSB ATMs or ATMs within ATM Access Network.

Bill Pay

Make paying your bills easier

  • Schedule regular fixed payments
  • Pay invoices, taxes, and employees
  • Setup multiple-user access

Order Checks

Contact any office to place an order.

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agricultural relationships

Need more information?
Want to open an account?

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We will be in touch shortly. You dream the dream; we'll help make it come true!