Checking Accounts

Regular Checking

Minimum Balance to open $250.00

Business Checking

Minimum Balance to open $250.00

Other Interest Bearing Deposit Accounts

NOW Account

Minimum Balance to open $1,000.00

Money Market

Minimum Balance to open $1,000.00


Minimum Balance to open $50.00

Business Savings

Minimum Balance to open $50.00

Certificates of Deposit

Time PeriodMinimum Balance to Open
182 days$1,000.00
1 year$1,000.00
2 years$1,000.00
3 years$1,000.00
4 years$1,000.00
5 years$1,000.00

Individual Retirement Account Certificate of Deposit

18 Months

Minimum Balance to open $100.00

The APY assumes funds will remain on deposit for a full year at the advertised rate. A penalty may be imposed for early withdrawal. 

All Annual Percentage Yields Are Subject To Change Without Notice.  Please Contact Citizens State Bank For Current Annual Percentage Yields.



  • Personal
  • Vacation
  • College
  • Appliance
  • Auto
  • Boat
  • Recreational Vehicle
  • Mobile Home


  • Equipment
  • Agricultural/Livestock

Real Estate

  • Home Construction/Permanent
  • Home Improvement
  • Farm and Ranch Land
  • Home Equity

Commercial Real Estate

  • Business Property Construction/Permanent
  • Investment Property

All Loans Are Subject To Credit Approval

Citizens State Bank
offers the following products and services for your convenience

  • IRAs
  • Image Statements & Checks
  • E-Statements
  • Overdraft Protection
  • Debit Cards
  • MasterCard Business Debit Cards
  • Internet Banking
  • Mobile Banking
  • 24 Hour ATMs (Corrigan and Groveton locations)
  • Cashier’s Checks
  • Safe Deposit Boxes
  • Personal Money Orders
  • Electronic Funds Transfers
  • Wire Transfers
  • Outgoing/Incoming Collections
  • Night Deposit

Citizens State Bank is always looking forward to adding quality new products and services to meet the needs of our customers. Please refer periodically to this page for our newest feature and service.

Online Banking

Our unique Online Banking offers many features that can be customized to fit your needs.