Partnering Together to Serve you Better
  • Internet Banking
  • Business Banking
  • Personal Banking
  • Ag Center
  • Lending Center
  • Benefit 50 Center
  • Investment Center
  • Citizens Financial Services
  • Student Center
  • Learning Center
  • Employment Center
  • Fraud Center
  • Giving Hope Cancer Fund
Find an ATM

Search for The Citizens State Bank in the App Stores!

Business Banking





  • Lines of Credit - We tailor either a revolving or seasonal loan to bridge the timing difference in your accounts receivable collections or to finance inventory.
  • Term Loans - We can finance equipment, capital improvements, vehicles, and business purchases.
  • Real Estate - We provide construction and permanent loans on most types of commercial buildings, both owner occupied and investment property.
  • Letters of Credit - We offer financial standby letters of credit for most commercial purposes.
  • SBA Loans - We help provide 7A loans for working capital, equipment financing and real estate acquisition. We also process SBA 504 Real Estate Loans.
  • Ready Reserve Overdraft Protection - You may open a line of credit attached to your checking account. 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 can start at $100 up to $5,000. Line of credit amount is based on loan approval by an officer. Repayment happens automatically through monthly payments from your checking account. In addition, you can also choose to pay off the line of credit at any time. A per advance fee applies.

    Contact us for more information.

    We also offer:
  • Checking accounts
  • Payroll Services (ACH)-Email our Payroll Services Department
  • Cash Management Services
  • Merchant Card Programs
  • Wire Transfers

Beneficial Owner Information

Equal Housing Lender Member FDIC
Funds Availability  |  Patriot Act  |  Privacy Notice  |  Reg E
            e-Banking Agreement