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Product Areas
Our Specialty!  From Operating to Equipment to Real Estate Loans and Everything In Between Farm and Ag
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Citizens Choice
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Citizens Choice
Citizens Choice
Sign up for Citizens Choice now!
Simply The Best - A Distinctive Full Feature Value
Top of the line features for those that demand the most from their checking account. You deserve checking with a wealth of valuable benefits.
Citizens Choice Online Benefits - NEW
Click on the link below for Financial, Travel, and Security Advantages. Some advantages will require a password to view. Your password is available on your Member Benefits Card you received when opening your account.

Click Here For Online Benefits
Overdraft Protection Overdraft Protection
Ready Reserve with no annual fee for qualified applicants
Alamo, Avis, Hertz and National Car Rental Discounts Alamo, Avis, Hertz and National Car Rental Discounts
Save on car rentals. Your special membership number entitles you to a reduced rate.
Automatic Savings Transfers Automatic Savings Transfers
Per your instructions between your accounts
Interest Bearing Option  Interest Bearing Option
Interest may be earned with a $1000 minimum average daily balance
Unlimited Personalized Checks Unlimited Personalized Checks
Free member checks or a 50% discount on other selected check styles
Accidental Death Insurance Accidental Death Insurance
$10,000 basic plan coverage for account owners or additional protection available for $2 extra per month.

Special Program Notes: Accidental Death Insurance is offered through the insurance company named on the Certificate of Insurance. Coverage is divided equally among owners of joint accounts. The 24-Hour Accidental Death Insurance benefit reduces by half at age 70.
Medical Data Source Medical Data Source
Obtain comprehensive reports on health or medical topics by calling a toll-free number or by mail
Travelers Advantage Travelers Advantage
Cash rewards, arrange travel toll free 24 hours a day, and save on lodging, airline travel, car rentals, cruises, and package trips
Safe Deposit Box Discount Safe Deposit Box Discount
50% rent discount for first year to new safe deposit box customer
Grocery Coupons Grocery Coupons
Receive hundreds of dollars worth of grocery coupons annually. Choose from a list of around 1,000 items.
Unrestricted Check Writing Unrestricted Check Writing
No per check charge or limit on number of checks written
Hot-Line, Credit Card Bureau of America, Payment Card Protection Hot-Line, Credit Card Bureau of America, Payment Card Protection
Register all your credit, ATM and check cards at one time and in one place. If lost or stolen, call one convenient toll-free number 24 hours a day to have all necessary information reported to all card issuers and replacement cards requested. Protection also provided against liability on every registered card. This comprehensive service also includes emergency cash and emergency airline tickets.
Medical Emergency Date Source Medical Emergency Date Source
Convenient plastic card which provides emergency medical personnel with vital health and personal information of your choice and may be updated annually
Savers Club Nationwide Discount Program Savers Club Nationwide Discount Program
Save on many servies including airline tickets, cruises, vacation dining, shopping, car and RV rentals, theme parks, movie tickets, grocery coupons, 50% off participating lodging properties, and more
Personally Registered Key Ring and Lost Key Return Service Personally Registered Key Ring and Lost Key Return Service
Help to retrieve lost keys. With your personally registered key ring, your lost keys can be dropped in any mailbox and returned to you...at no additional charge.
Sojourns Magazine Subscription Sojourns Magazine Subscription
Bi-annual periodical with vivid photography, in-depth travel stories, and travel discount opportunities
Direct Deposit Option Direct Deposit Option
Social Security and payroll checks
Local Connections Local Connections
Save money at your favorite local merchants with online, printable coupons. Access two-for-one restaurant discounts, as well as savings on attractions, auto and home services, clothing and more.
Luggage Protection Luggage Protection
Protect your luggage the next time you travel. Your personally registered luggage tag instructs anyone who finds your luggage to call our toll-free number to reunite you with your luggage.

Order your first luggage protection tag at no charge online today. Additional tags are available for $2 each.

All These Great Services for Only $7 a Month! All These Great Services for Only $7 a Month!
Rates for Citizens Choice
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
Citizens Choice 0.15% 0.15% $0.00 $1,000.00 Yes
Fees could reduce earnings on accounts
Minimum Balance is the Minimum Balance ot Obtain APY
Rates are subject to change at the discretion of the bank on all variable rate (Variable) account
Interest rates and annual percentage yields (APY) effective as of 9/7/2010

Fees
Fee Description One Time Fee Annual Fee Monthly Fee Per Use Fee Other Fee
Overdraft (each debit or check paid) 23.00
Nonsufficient Funds (NSF) 23.00

Representatives who can help with this product:
Warning: Internet email is not secure. Please do not send private information to The Citizens State Bank via email.
Moundridge Full Service Branch
Daylene Johnson - - 620-345-6317
Goessel Full Service Branch
Janice Voth - - 620.367.2264
Canton Full Service Branch
Melanie Unruh - - 620-628-4441
Hesston Full Service Branch
Twila Henry - -
Alice Norris - - (620) 327-4941
Sheryl Pohlenz - - 620.327.4941
McPherson Full Service Branch (Inside Wal-Mart)
Izumi Bowser - -
Jaime Diederich - - 620-245-9200
Newton Full Service Branch (Inside Wal-Mart)
Victoria Ramirez - -
Carol Wallace - - 316-283-7350
Hesston Schowalter Villa Branch
Carolyn Wohlgemuth - - 620.327.4941
Newton Full Service Branch
Jennifer Driskill - - 316-283-7478
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