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Find an ATM

Search for The Citizens State Bank in the App Stores!

Business Banking

Deposit Services

We have a full range of competitive deposit products for your business.

Beneficial Owner Information


  • $100 minimum balance to open
  • Service charge fee $4.00/Month
  • $.06 per deposited check drawn on another bank
  • Each entry on account $.15 (per item fee). No charge for ACH & debit card transactions
  • Earnings credit for each $100 of average collected balance


  • $1,000 minimum balance to open
  • Variable interest rate on daily collected balance and compounded monthly
  • Limit of six withdrawals per month
  • Excess withdrawal fee of $1.00 per item after first 6 withdrawals per statement cycle*
  • $5.00 minimum balance fee if the average daily balance for the statement cycle falls below $1,000


  • $100 minimum balance to open
  • Variable interest rate on daily collected balance and compounded semi-annually
  • $1.00 minimum balance fee if average daily balance falls below $100
  • Limit of 6 withdrawals per month
  • Excess withdrawal fee of $1.00 per item after first 6 withdrawals*


You may open a line of credit attached to your checking account with approval. Once you are approved, simply write a check or use your debit card. If the amount is larger than the balance in your account, funds will be automatically deposited in $100 increments up to your agreed line of credit. Lines of credit range from $100 up to $5,000 and are based on loan approval by an officer. Repayment happens automatically through monthly payments from your checking account. Or, you can also choose to pay off the line of credit at any time. A per advance fee applies.


*Under Regulation D, during any month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or by check, draft, debit card, Internet/Telephone Banking or similar order. If you exceed the transfer limitations set forth above in any month, your account may be subject to closure.

 Contact a Bank Representative


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