Regular Checking Account	Banclub Checking Account	NOW Account
Money Market Account	Passbook Savings Account	Certificate of Deposit

Congress recently passed legislation authorizing a temporary  increase in FDIC coverage on deposit insurance per institution from $100,000 to $250,000 per individual depositor.  The new insurance coverage is effective immediately through December 31, 2009.

ONLINE CHECK REORDERING  Reordering checks from Citizen's State Bank couldn't get easier! You can now order your checks directly through the Deluxe Personal Check Reorder web site. By clicking on the Deluxe logo below, and as long as you want the same check design and your information on your check hasn't changed, you can reorder your wallet or duplicate checks with just a click of the button.  You can also order return address labels, stamps, and check book covers through this website and check on the status of your order.  Or just look at the online check catalog for a new style of check and then let us know you wish to change your check design. By ordering through the Deluxe website, it will save you a stamp and a trip to our branch. Just click on the link below and enter in the information that is required.  If you need help, please contact us so we can assist you. Important: When ordering free BanClub checks online, the screen may show that your account will be debited for the amount of the checks.  Your account will NOT be debited for this amount.  Please contact us if you are charged for your BanClub checks and we will correct this error.

REGULAR CHECKING ACCOUNT Our Regular Checking Account maintenance fee is free when you maintain a $500 balance daily. If the balance falls below $500 in a statement cycle there is a $2.00 monthly fee and a transaction fee of $.12 for each debit transaction. Click Here to Print an Account Application Today! Return to the top
BANCLUB CHECKING ACCOUNT Join BANCLUB and enjoy these added features for $7.00 (Individual Plan), $8.00 (Personal Plan), or $9.00 (Family Plan) per month. Accidental Death Insurance Free Wallet Style BanClub Checks No Service Charge on Money Orders Return to the top
NOW ACCOUNT Check out our NOW Account that has a minimum balance of $1,000.  Interest will be compounded monthly and credited to your account.  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (exp. checks).  If your balance falls below $1,000 a service charge of $7.00 a month will be charged.  Interest rate subject to change without notice. Return to the top
MONEY MARKET ACCOUNT Earn interest and write up to 6 checks per month with our Money Market Account. Minimum amount to open the account is $2,500. If your balance falls below $2,500 any day of the statement cycle there will be a service charge of $7.00. A transaction fee of $5.00 will be charged for each check or draft in excess of six during a statement cycle.Interest will be credited to your account every month.  Interest rate subject to change without notice. Return to the top
PASSBOOK SAVINGS ACCOUNT Open your Passbook Savings Account today with a minimum of only $100.00. Interest will be credited to your account every quarter. If your balance falls below $100.00 there will be a $3.00 service fee. An excessive withdrawal fee of $.50 per item will be charged for each withdrawal in excess of six during a statement cycle.   Interest rate subject to change without notice. Click Here to Print an Account Application Today! Return to the top

CERTIFICATES OF DEPOSIT Earn a higher rate of return on your savings by depositing your money into one of our Certificate of Deposits.  We have various terms to help meet your personal needs.  Check out our Rates Page to see our current interest rates and terms for our Certificate of Deposits.  Return to the top