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  • Internet Banking
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  • Personal Banking
  • Ag Center
  • Lending Center
  • Benefit 50 Center
  • Investment Center
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  • Fraud Center
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Find an ATM

Search for The Citizens State Bank in the App Stores!

Personal Banking

Personal Banking Center

You can bank at HOME and be anywhere. We offer products and services that make your banking safe, fun and accessible. We can meet every need from your basic checking account to financial tools that allow you to track your spending and stay on budget. We offer a full range of loans to help you meet your goals.


We offer a full range of checking, savings, money markets, CD's, IRA's, and Health Savings Accounts.

Ready Reserve Overdraft Protection

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 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. An annual and per advance fee applies.

Apply Now

Personal Loans

We offer a full range of loans to meet all your needs.

Order a Debit Card

A convenient way to pay electronically from your checking or money market account. Click here to apply.

There is a $5.00 fee for all Debit card replacements and reissues.

Change my ATM or Debit Card PIN

To change your PIN, you must have your card number and PIN available and call 1-888-227-3096. If you do not know your PIN, please call your local branch for more information.

Order Checks

Call your local branch or order online.

Balance a Checkbook

Let us show you how to master this important facet of managing your finances.

Benefit 50 Accounts

For our customers who have reached the Fabulous Fifties, we have some special benefits just for you!

Credit Card


Go green with e-Statements. No more paper stacking up around the office. You can access your statement online 24/7 and archive to a CD at year end. Log on to Online Banking and select Products and Services to sign up for this free service.

Money Management

You won't believe how easy this free product can make tracking expenses for you and your family. You can categorize your spending and create a budget. You can also incorporate spending from your credit cards as well as your other bank accounts to have one place to see your entire financial picture.

Find an ATM

You can bank with us and Go Anywhere! Find an ATM.

Find a Notary

Notaries are available at all of our full service locations for your convenience. These services are free of charge for any of our customers. No appointment is necessary.

*Picture I.D. is required and the documents must be signed in the presence of the Notary.

Reloadable Travel Cards/Gift Cards

Visa Reloadable Travel Card - The smart, secure way to travel or manage your money on the go. Cards are available in amounts of $20 to $3,000. Click here for more information or to reload your card.

Visa Gift Card - A great choice for birthdays, graduations, holidays, weddings and all your gift giving occasions. Cards are available in amounts of $10 to $1,000.

You may stop by one of our locations to pick one up today. A small fee does apply to each card.

Health Savings Accounts (HSA)

A Health Savings Account (HSA) is a tax-sheltered account into which you can put money to save for future medical expenses. There are certain advantages to putting money into these accounts, including tax-free contributions, earnings and qualified withdrawals.


Let our full service brokerage and investment center handle all your retirement planning needs. Prefer FDIC insured investments? Click here to see our insured IRA and CD products.

Online Banking

The best way to track your accounts and keep an eye out for unauthorized use of your debit card, ATM card or account number. Click here to apply or login above.

Online Bill Pay

The free, easy and convenient way to pay all your bills. With postage rates increasing every year, this is a money and time saver you can't afford to pass by. Log in to Online Banking and click on Bill Pay to get started. Not on Online Banking?  Apply now.


Our rates compete with anyone in town. Contact any one of our locations to learn our current rates.

Safe Deposit Boxes

We have secure boxes available in many sizes to safely store your important documents or items.

Savings Bonds

Want to know how much your savings bond is worth? To redeem, bring your savings bond to any of our locations.

Set up Direct Deposit

Learn what you will need to give your employer to have your pay automatically deposited into your account by contacting your local branch.

Telephone Banking

A convenient way to track your account 24/7, even when you are on the road. Call 1-888-CSB-3400 or 620-241-3733 anytime night or day.

Wire Transfer Services

Same day, domestic or international business-to-business transfers. Wires ordered before 2:30PM CST (Monday-Friday) will be processed on the same day. For more information, please contact our wire transfer department at (620) 241-3732 during business hours.


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            e-Banking Agreement