businessmen going over financial charts

Deposit Accounts

Citizens State Bank offers a variety of accounts to meet both personal and business needs.  Contact one of our Personal Bankers by calling 325-657-0099 or 325-468-3311.

Personal Checking

Free Checking

Unlimited check writing
No monthly service charge
No minimum balance requirement
Mobile/Internet/Telephone Banking
Debit card
$100 opening balance

Basic Checking

Check writing
Mobile/Internet/Telephone Banking
Debit card
$100 opening balance
Copies of checks written, or deposits made on monthly statement
Conditions
$8 monthly service fee if minimum daily balance falls below $1,000

Checking CLUB account

Check writing
Mobile/Internet/Telephone Banking
Debit card
$100 opening balance
Free checks provided (3 boxes per year)
50% discount on Safe Deposit Box rental (subject to availability)
Accidental Death and Dismemberment and Common Carrier Insurance provided
Conditions
$9 monthly service fee ($4.50 monthly service charge for seniors 55+)

Now Account

Check writing
Mobile/Internet/Telephone Banking
Debit card
$1,500 opening balance
Earn interest on account balance. Rates and balances vary.
Conditions
$8 monthly service fee if minimum daily balance falls below $1,500


Business Checking

Business Checking

Check writing
Mobile/Internet/Telephone Banking
Debit card
$100 opening balance
Copies of checks written, or deposits made on monthly statement
Conditions
$8 monthly service fee if minimum daily balance falls below $1,000


Personal Savings

Savings Account

Mobile/Internet/Telephone Banking
$100 opening balance
Earn interest on account balance. Rates and balances vary.
Conditions
$3 quarterly service fee if minimum daily balance falls below $100
An excessive withdrawal fee of $1 will be charged for each withdrawal in excess of six during a quarter*

Money Market Account

Interest accrued daily and paid monthly
Interest rates vary
Mobile/Internet/Telephone Banking
$1,000 opening balance
Conditions
$5 monthly service fee if minimum daily balance falls below $1,000
A fee of $5 will be charged for each transfer out of this account by checks to third parties or preauthorized or telephone transfers in excess of six during a monthly statement cycle*

Certificates of Deposit (CD’s)

$500 opening balance
Competitive fixed rates on terms of 6 months to 24 months
Interest payable quarterly or at maturity

*Federal regulations limit the number of transfers from a savings/money market account to another of your accounts here or to a third party by pre-authorized transfer, telephone transfer, computer transfer, check, draft or debit card to a total of six per statement cycle for a savings account.  This includes online banking transfers and bill payments.  Exceeding regulatory limitations on more than an occasional basis may result in the account being converted to a checking account.