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Latest News and Events


Mobile Deposit Capture Scams-Please Be Aware:
Banks across the country are reporting that customers are falling for a new form of fraud known as a mule scam. Customers are recruited through Facebook or social media through what appear to be work-at-home jobs, other opportunities where the customer is lured as a money transfer agent, or told they can get a loan. The customer is told they will receive deposits into their account with instructions on withdrawing... the funds and forwarding money to a designated contact person. The customer is told they will receive a percentage of the proceeds at commission.
The customer is next instructed to provide online/mobile banking usernames and passwords to the contact person. The action will allow the fraudster to log in to the accounts to access mobile remote check deposit services to deposit their checks. The checks are then returned after the holds expire and the customer has already removed the funds. Most people who fall victim to this scam have few assets to cover their negative balance.
The Citizens State Bank and Home State Bank as always, takes great precaution in preventing against schemes such as these but all customers should be aware that fraudsters come up with new schemes each and every day. If it does not feel right, odds are it isn’t! Please alert us to any such potential scams that you may feel are being perpetrated by contacting us as soon as possible at with as many details as possible. Thank you and stay alert!

1st Quarter 2017 Newsletter


 Residential Real Estate Rates As Low As:

Term Rate APR Payment †
15 Year 3.375% 3.440% $1,063.14
20 Year 3.750% 3.802% $889.33
30 Year 4.000% 4.038% $716.12
Updated: April 24 , 2017

The above APR is calculated on a loan amount of $150,000 with a Loan to Value (LTV) of 80% and a credit score of 720 or better. Loans with a LTV greater than 80% are available. Click here for more information! 

† Payments shown do not include taxes or insurance, actual payments may be greater.



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