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Citizens State Bank understands that investing in today's financial climate can be a confusing proposition. A lot has changed over the past few years. However, one thing remains the same. Depositing your hard-earned money in Citizens State Bank offers guaranteed safety and increasingly attractive growth. Citizens State Bank's accounts include free checking accounts, savings accounts, Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs) and the ACCESS Money Market Account, which combines high yield and outstanding flexibility. With this much variety, there's always an account that's right for you.

Call us for more information at 1-800-866-9246 or 218-463-2135 or email us with any questions.



Regular Checking

  • $100 minimum balance to open account
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited check writing
  • First 20 check blanks free
  • Statements returned with check images
  • Electronic statements available
  • Free Debit Card
  • Free Telebanc 24 hours-a-day
  • Free Internet Banking 24 hours-a-day

Now Checking

  • $500 minimum balance to open account
  • Interest bearing checking
  • No service charge with $500 minimum balance
  • Only $6.00 monthly service charge for balances falling below minimum of $500
  • Unlimited check writing
  • Statements returned with check images
  • Electronic statements available
  • Interest rates may change

Prime Checking

  • $100 minimum deposit to open account
  • Free Checking Account
  • Free Debit Card
  • Interest Bearing Account
  • Refunded ATM Fees
  • Click Here for More Details




  • $1,000 minimum deposit to open account
  • $10.00 monthly service charge for balances falling below minimum of $1,000
  • Interest compounded monthly
  • Interest credited to account monthly
  • Interest rates may change
  • Electronic statements available

Limited to six withdrawals per statement period. 



Regular Savings

  • $10.00 minimum balance to open account.
  • Free for 18 and under
  • Low $1.00 monthly service charge for average monthly balances under $50
  • Interest paid monthly
  • Statements sent monthly
  • Electronic statements available

Certificates of Deposit

  • 91 day to 5 year terms available
  • $1,000 minimum balance required
  • Jumbo certificates available, minimum $100,000
  • Federal regulations require substantial penalty for early withdrawal



A Great New Way To Save On Healthcare Costs!

Introducing Health Savings Accounts At Citizens State Bank

A Health Savings Account (HSA) is an excellent way of addressing today’s rising health care costs, as well as the high price of health insurance premiums. Best of all, keeping your HSA at Citizens State Bank is FREE!

How Does An HSA Work?

An HSA is a tax-deferred deposit account that earns interest and can be used to pay for qualifying medical expenses, whether they happen today or sometime in the future. When you turn 65, you can continue to use the funds in your HSA for medical expenses, tax free and penalty free, or you can withdraw as much money as you wish, penalty-free, for any non-medical reason. Individuals or employers can contribute to an HSA.

Why Is An HSA Good For Me?

  • HSA contributions - by employer or employee - are excluded from income.
  • HSA earnings are tax-deferred
  • If used for qualified medical expenses, HSA assets are never taxed
  • High deductible insurance plan means lower insurance premiums
  • Flexible Money - you own your account

What Are Qualified Medical Expenses?

To remain tax-free, HSA assests can be used for: 
  • Actual medical expenses
  • Long-term care insurance
  • Healthcare coverage when unemployed
  • Certain continuation-of-benefit healthcare coverage, and
  • Certain health insurance after age 65.

Who Is Eligible To Participate?

Anyone who has a high deductible health plan as their primary health insurance plan is eligible to participate.

For specific tax or legal advice about an HSA, speak with a qualified advisor.



  • $500 minimum balance required to open account
  • Interest is tax deferred
  • Contributions may be tax deductible
  • No annual fees, no charges
  • Individuals can contribute up to $5,000 per year (based on adjusted gross income)
  • More flexibility than traditional IRA
  • No annual fees, no charges
  • No tax on interest earned
  • No mandatory payout at age 70 1/2
  • Individuals can contribute up to $5,000 per year (based on adjusted gross income)
  • Available for education
  • Available for self-employed


For more information on opening an account 
contact Citizens State Bank today!



By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.