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Designed for Customers 55 and Older
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Unrestricted Check Writing
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No monthly service fee, per check charge, or limit on number of checks written monthly
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Interest Bearing Option
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Interest may be earned with a $300 minimum average daily balance
Interest may be earned with any average daily balance if you have a $2500 CD or IRA
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Discounted Check Orders
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10% discount on all check orders
Free replacement of up to 200 of your old checks when you transfer your account to us from another financial institution
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Safe Deposit Box
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3x5 size rent-free first year or $10 discount on a larger size for new safe deposit box customer
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VISA Debit Card
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24 hour worldwide ATM or merchant access
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Notary Public
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Your official documents notarized at no cost
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Direct Deposit of Social Security Checks
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Enjoy convenient and immediate access to your U.S. Treasury deposit
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**************NOTICE******************
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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.
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Overdraft Privilege
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Overdraft Privilege Service is available on checking accounts that are maintained in good standing.
Overdraft Privilege can mean:
You can avoid high charges from merchants for returned checks.
You have new convenience and flexibility in managing your funds.
Payment of overdrafts up to $700 ($400 on free checking accounts) or $1500 on commercial accounts will normally be considered.
We will charge our normal non-sufficient funds or overdraft charges, as set forth in our fee schedules, for each item that would create an overdraft on your account. We can’t promise to pay every overdraft, not all accounts are eligible, and some restrictions do apply. (See the Overdraft Privilege Policy)
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