Commercial Loans

A personal approach to commercial loans from a bank that is proud to help Cadott, Chippewa Falls, Cornell, Lake Wissota, and the surrounding communities thrive by financing its business development.


Work with experienced relationship-oriented lenders at a bank that 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 Download Application

Commercial Loan Assistance Programs

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

  • Regional Business Fund Inc.
  • United States Small Business Administration (SBA)

Our Lenders

Providing commercial loans in Cadott, Chippewa Falls, Cornell, Lake Wissota, and the surrounding areas.


  • Bob Binczak

    715-978-0122

    VP of Commercial Lending

  • Tony Hein

    VP of Commercial Lending


Contact Us To Apply Today

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
  • No monthly maintenance fee
  • 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*

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*

CSB Business Interest Checking

This checking account is an interest bearing and designed for sole proprietors or qualified non-profit organizations.

  • $1,000 minimum current available balance. There is a minimum balance fee of $15 per monthly cycle if the minimum balance is not maintained.
  • No monthly maintenance fee
  • 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*

CSB Business Money Market Checking

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.
  • No monthly maintenance fee
  • 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
  • Unlimited check writing, No-fee ATM**, Online Banking*, Bill Pay*, Mobile Banking*

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.

Need more information?
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