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Personal Banking

Banking Solutions

Cover all of your banking needs with an account at Citizens State Bank. Open a checking and savings account, invest in a CD or IRA, and get started with a debit card. All of the essentials are covered when working with your local Roseau, MN bank. When you are ready to get started, apply online to make an appointment or visit us anytime.

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Personal Banking in Roseau, MN in Roseau, MN | Citizens State Bank

Personal Checking

Minimum to Open$100$100$500$1000
Minimum Daily Balance$0$0$500$1000
Monthly Service FeeNoneNone$6*$10*
Interest BearingYesNoYesYes
Refund ATM FeesYesNoNoNo
eStatements/Paper Statements²eStatement OnlyBothBothBoth

1 – To earn the higher interest rate for this account, you are required to have 15 debit card transactions, have one direct deposit or ACH withdrawal, have a valid e-mail address, and accept an electronic statement. If these requirements are met during the monthly qualification cycle, ATM fees incurred Nationwide during the monthly qualification cycle will be reversed and credited back to your account. The maximum ATM fee refund per monthly qualification cycle is $20. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at our bank. ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.

2 – Paper Statement Fee: $2.00 (eStatements are provided at no cost).

* – If daily balance falls below the minimum balance required to open that account. Waived if average ledger balance exceeds $1,500.

Personal Debit Cards in Roseau, MN

Debit Cards

Debit cards are an easy and convenient way to pay for goods or services directly from your bank account. Transactions are protected against fraud in real-time, giving you peace of mind that your money is safe at Citizens State Bank.

Use your debit card at ATMs for cash withdrawals, transfers, or to check your balance.

Want a more digital experience? Add your debit card to your Apple, Google, or Samsung wallet on your phone for contactless payments in stores!

Business hours debit card support: 1-218-463-2135

After hours debit card support:
Card Activation: 1-855-726-4885
Lost or Stolen Debit Card: 1-888-263-3370
Fraud for Card Holders: 1-855-961-1602

Out of Checks?

Personal Savings

Regular18 and UnderHealth Savings Account¹
Minimum to Open$50$10$0
Minimum Daily Balance$0$0$0
Monthly Service Fee$1*NoneNone
Interest BearingYesYesYes
eStatements/Paper Statements²BothBothBoth

1 – This account is tied to a Health Savings Account-Checking Account

2 – Paper Statement Fee: $2.00 (eStatements are provided at no cost).

* – If daily balance falls below the minimum balance required to open that account.


Certificates of Deposit (CDs)

Federally insured CDs offer a safe way to invest your cash. Citizens State Bank offers many short-term and long-term investment options and competitive rates ranging from 3 months to 5 years.

A minimum $1000 deposit is required to open a CD, and an early withdrawal penalty may apply.

Individual Retirement Accounts (IRAs)

Invest cash or roll over money from a 401(k), SEP, or other qualified retirement account into a federally insured traditional or Roth IRA. Short-term and long-term investment options are available, ranging from 3 months to 5 years, along with competitive interest rates and guaranteed returns.

IRAs may be opened with an initial $100 minimum. Early withdrawal penalties may apply, and the IRS may defer your taxes.

Personal Loans

Installment & Single Pay

No matter your needs, we will work with you to design a loan with competitive interest rates and flexible terms that fits your budget. At Citizens State Bank, we are people too. We understand the desire for family fun activities and how the finances may not always be available upfront. Contact us today to apply for a loan, and we will do our best to come up with a loan that works for you.


Loan Possibilities

  • Automobile
  • Boat, snowmobile, and ATV
  • Recreational vehicle
  • Vacation
  • Unsecured

Home Equity Line of Credit (HELOC)

A home equity line of credit is a revolving line of credit that uses your home as collateral.

A HELOC can provide you with:

  • Secured financing based on your home’s equity
  • Funds that you can borrow against and pay back continuously throughout the life of the loan
  • Potential tax benefits if the interest on your home equity financing is tax deductible.

Home Equity Loan

Through a home equity loan, homeowners are able to use the equity in their home for debt consolidation, home improvements, purchasing a new car or recreational vehicle, wedding expenses, and more. We will work with you to create a loan to make your dreams a reality.

CD/Savings Secured Loan

If you need funds quickly but don’t want to tap into your savings, a cash-secured loan might be the option for you. Through this loan, your account serves as collateral, and loan funds will be accessible at a lower interest rate than is available through other types of loans. Reach out to us today to learn how you can obtain a cash-secured loan!

Ready Credit

Ready Credit protects you from overdrafts and automatically provides cash when you need it. If your checking account becomes overdrawn, we will automatically transfer from your authorized line of credit and deposit directly into your checking account. We will automatically debit your checking account each month to make the minimum required payment. If you’d like to know more about the Ready Credit option, call us at 1-218-463-2135.

Start the Process Imagine the possibilities!

Apply for a Loan Today.

Complete Your Consumer Loan Application

U.S. Federal Law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, driver’s license, social security number, and other information that will allow us to identify you.

Please fill out our JotForm here

Loan Calculator

*Disclaimer: The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

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Citizens State Bank Roseau
118 Main Avenue South
Roseau, MN 56751-0160

Phone: 1-218-463-2135
Fax: 1-218-463-2943

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Business Hours:
Monday – Friday
Lobby: 9:00 AM to 5:00 PM
Drive Up: 8:00 AM to 5:00 PM

Lobby: 8:30 AM to 12:00 PM
Drive Up: 8:00 AM to 12:00 PM

CSB Routing Number: 091204527

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