Personal Banking


Free Checking Account Banclub Checking Account NOW Account
 Online Banking  Online Statements  Bill Pay
Money Market Account Passbook Savings Account Certificate of Deposit









 By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all nointerest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit

This FDIC Insurance Coverage could possibly be extended.  






Announcing the new

look of Citizens

 State Bank Online


Check it out!



Register Online!


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    Online Bill Payment


Available Now!

Password protected for your privacy with Multifactor Authentication.

 Eliminates check writing & postage expenses.

Pay bills online and save money and time.

Payments to anyone, anywhere, anytime whether your payment is one-time or recurring.

First two months FREE! 

  • $3.50 for 0-6 payments per month
  • $.70 fee will be charged for each payment over 6 payments
  • Stop or Return Payment: $30 Fee 
  • $ 5.00  Expedite (Overnight)Electronic
  • $25.00 Expedite (Overnight) Check



 Don't miss this great opportunity to register for Bill Pay through your Online Banking or if you are not an Online Banking customer just register for Online and Bill Pay TODAY!

Click Here to Register for Online Banking

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Online Statements

Are Here!

 Why switch to paperless Bank Statements:

  • Get Bank Statements Online
  • Safer and more secure than delivery by mail
  • Easy to view, print, save
  • Environmentally friendly 

 Sign Up Today - It's Easy!  

  • If you are a new customer to Online Banking, click on the Online Banking Login, then click on "Click Here" to register.
  • Existing users simply logon to Online Banking account with your existing "Customer Number" and "Password" then click on Online Services to register to receive you Bank Statements.

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Enjoy ONLINE BANKING for free when you have an account with Citizen's State bank. Make loan payments, transfers, check account balances and other account information from the convenience of your own home.

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Join BANCLUB and enjoy these added features for $7.00
Accidental Death Insurance

  • No Foreign ATM fees (Limit 5 per month)
  • Cash Rewards
  • Everyday Rebates
  • Card Patrol
  • $2,500 IdentityTheft Insurance - With Fraud Assistance
  • Rx Advantage 
  •  Payment Card Protection 
  • Savers Club
  • Free Banclub wallet checks
  • Free Notary Service
  • Free Online Banking
  • Free Telephone Banking
  • Free ATM/Visa Check Card - With Free Card Sentry Monitoring
  • Free Direct Deposit
  • Unlimited check writing
  •  Online Statements (upon request)

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Tired of Paying ATM Fees? Sign up for Banclub!



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.

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Earn interest and have access to six debits per month, with no more than three by check, draft or similar order to third parties, 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.

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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.

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Click Here to Print an Account Application Today!



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.

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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.

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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.


NOTICE: THE CITIZENS STATE BANK OF CHENEY, KANSAS is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source - The bank is not responsible for the content. Please contact us with any concerns or comments.