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Product Areas
Our Specialty!  From Operating to Equipment to Real Estate Loans and Everything In Between Farm and Ag
Programs Designed to Meet The Needs of Special People Over 55
Money for Your Every Need Personal
Start Your Financial Future Today with Services Designed Just for Students Students

Personal
Accounts to Keep Your Money Safe and Give You a Good Return Insured Investments
Convenient Services for those with a CSB Checking Account Checking Extras
Start Your Financial Future Today with Services Designed Just for Students Students
We Make Buying Your Home Easy and Inexpensive Mortgage Loans
Checking for Every Need and Budget Checking Accounts
If the Market is Your Game these are the Services for You Investments
VISA Gift Card
Premium Investment Money Market Account
Certificate of Deposit
Adjustable Rate Mortgage
Internet Banking
Overdraft Privilege Policy
FDIC Transaction Account Guarantee Plan
Railer Express Checking
24-Hour Telephone Banking
Direct Banking
Passbook Savings
VISA Check Card
Visa Credit Card
Individual Retirement Account
VISA Platinum Preferred
Automated Teller Machines
Consumer Loans
Safe Deposit Box
Credit Life and Disability Insurance
e-Express Account
Find a Product Area
Find a Product
Personal
Personal
Money for Your Every Need

VISA Gift Card
VISA Gift Card
Use Anywhere VISA is Accepted
The VISA Gift Card works at millions of places that accept the VISA logo - including retail stores and online merchants - and for mail and phone orders.
A Great Gift Idea
This card is a great choice for birthdays, holidays, weddings, and all your gift giving occasions.

Premium Investment Money Market Account
Premium Investment Money Market Account
Regular Money Market Features with Tiered Rates

Certificate of Deposit
Certificate of Deposit
Time Certificates Offer a Secure Investment at Higher Fixed Rates
The safe place to earn interest.

Adjustable Rate Mortgage
Adjustable Rate Mortgage
Competitive rates

Internet Banking
Internet Banking
Internet Banking is FREE!
You may now login or sign up for The Citizens State Banks Internet Banking Service. If you already have your username and password, click on the link below to log in. If you have not yet signed up for Internet Banking, click on the link below and then follow the link at the top of the screen to register.

Click Here to Log in or Sign Up Now

FREE BILL PAY
To sign up for bill pay, sign onto your internet banking account. Click on Bill Payment. *Internet Banking and Bill Payment is free to all CSB non-business customers. Business account customers will be charged a $5.00 monthly fee for utilizing either Internet Banking or Bill Pay.

Overdraft Privilege Policy
Overdraft Privilege Service Description ( A Discretionary Overdraft Service)
It is the policy of The Citizens State Bank (“the bank, we, us, or our”) to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards. A non-sufficient funds (negative) balance may result from: A) The payment of checks, electronic funds transfers, or other withdrawal requests; B) Payments authorized by you; C) The return, unpaid, of items deposited by you; D) The imposition of applicable service charges; or E) The deposit of items which according to the bank’s Funds Availability Policy, are treated as not yet “available” or finally paid.

FDIC Transaction Account Guarantee Plan
FDIC Transaction Account Guarantee Plan
Under this program, through December 31, 2009, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from coverage available under the FDIC’s general deposit insurance rules. The Citizens State bank has chosen to participate in this program.

Railer Express Checking
Railer Express Checking

24-Hour Telephone Banking
24-Hour Telephone Banking
Free 24-Hour Banking Information and Account Access
The Citizens State Bank’s 24-Hour Customer Banking telephone service gives you immediate access with your touch-tone telephone to the information you need most often.

Direct Banking
Direct Banking
Unbeatable Benefits with Direct Deposit of Payroll

Passbook Savings
Passbook Savings
An Excellent “First” Account

VISA Check Card
VISA Check Card
Use everywhere VISA is accepted
Use it like a credit card, it works like a check.
LOST CHECK CARD
1-877-226-2351 1-877-CANCEL1

Visa Credit Card
Visa Credit Card
LOST CREDIT CARD NUMBER
800-325-3678
Customer Service
The Customer Service number is 1-800-675-6284
Low VariableRates
Classic Card 16.67% on purchases only Gold Card 15.17% on purchases only Platinum 14.17% on purchases only Business 15.17% on purchases only
***********NOTICE***********
The Citizens State Bank is a community financial services institution that provides financial products and services to our customer service area (Kansas). If you are located in our customer service area or are thinking of moving to our area, we welcome your application. If you do not currently live in our customer service area, we appreciate your interest, however, in order to process your application, you will need to come in to any of our locations and pick up an application.

Individual Retirement Account
Individual Retirement Account
New and Better Ways to Save for Your Future
We offer an excellent variety of retirement plans with a broad choice of investments. Choose the IRA designed to meet your needs as well as your investment style.

VISA Platinum Preferred
VISA Platinum Preferred
***********Notice**************
The Citizens State Bank is a community financial services institution that provides financial products and services to our customer service area (Kansas). If you are located in our customer service area or are thinking of moving to our area, we welcome your application. If you do not currently live in our customer service area, we appreciate your interest, however, in order to process your application, you will need to come in to any of our locations and pick up an application.

Automated Teller Machines
Automated Teller Machines
Get 24 Hour Access to Your Funds
Get to your funds when and where you need them with ATMs in all of our communities.

Consumer Loans
Consumer Loans
Loans for Planned or Unexpected Needs

Safe Deposit Box
Safe Deposit Box
Keep Your Belongings Safe
A variety of sizes are available all at inexpensive prices.

Credit Life and Disability Insurance
Don't Let an Unforseen Accident Be A Burden On Your Family
Credit life and disability insurance pays your loan if something happens to you.

e-Express Account
e-Express Account
Free Checkless Checking
Excellent Versatility
A great starter account to build or establish good credit.
A New Alternative in Banking
Whether using an ATM Card or CSB Visa checkcard, it is fast and easy.
"Checkless" Account
Eliminates the hassle of carrying a checkbook and writing checks. Streamlines recordkeeping.
Product Categories
Credit Cards from Personal to Corporate Visa Credit Cards
From Small Individual Accounts to Plans for Every Employee in Your Company Retirement Programs
If the Market is Your Game these are the Services for You Investments
We Make Buying Your Home Easy and Inexpensive Mortgage Loans
Minimize Risk and Guarantee Results with these Insurance Offerings Insurance
Convenient Services for those with a CSB Checking Account Checking Extras
Accounts to Keep Your Money Safe and Give You a Good Return Insured Investments

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