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Find an ATM

Search for The Citizens State Bank in the App Stores!

Lending Center


Fill Out an Online Application Today!

Consumer Lending

Click here for more information on our Consumer Lending Products.

Commercial Lending

Click here for more information on our Commercial Lending Products.

Mortgage Lending

Click here for more information on our Mortgage Lending Products.

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.

  • Ready Reserve interest rate is 18% of daily balance of extended line of credit
  • $15 annual fee and a $4 per transaction fee
  • Your monthly payment is either $10 or 4.0% of the balance, whichever is greater
  • Payment is automatically deducted from your checking account

    Apply Now

Financial Calculators

How much do you need for retirement? How fast can you pay off those credit cards? Our financial calculators can help you find your answer.

Free Credit Report

Keeping tabs on your credit is always a good idea. It's one of the best tools for stopping fraud on your account as well as a good gauge of how you're doing financially so you'll be able to get credit if or when you need it. An annual check is something everyone should do!

Please note our Geographic Qualifications & SAFE Act Notification
Beneficial Owner Information


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