For your business banking needs, work with Citizens State Bank in Roseau, MN, where you receive all-in-one financial services. Open a checking or savings account, apply for a business loan or line of credit, and set up direct deposit for your employees all with one local bank. We care for our customers and ensure you are set up with the proper accounts and necessary loans for your business success.
Business Checking & Saving
|Minimum to Open
|Minimum Daily Balance
|Monthly Service Fee
|Refund ATM Fees
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.
Direct deposit is a convenient way to pay employees. It’s a quick way for employees to get paid without picking up a check and taking it to the bank, and saves you the hassle.
Advantages of Direct Deposit
- No paper checks to lose or damage.
- No making a trip to the bank to deposit a paycheck.
- The money is usually in the employee’s account on the morning of payday.
- Direct deposit can help employees save more money. Many employers offer the ability to split the pay among more than one bank account if the employee chooses (For example: checking, savings, or retirement accounts).
Monthly Fee: $25
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Being members of the community ourselves, Citizens State Bank is here to help our local businesses grow. Whether your business needs funds for day-to-day operations, expansion, cash flow, or other business needs, we can design a financing plan that works for you.
Real Estate Loans
Letters of Credit
Inventory/Accounts Receivable Loans
Small Business Administration Loans
Agriculture makes the world go round. At Citizens State Bank, we work with local farmers to create financing packages so they can make the purchases they need to keep their farms operating and growing. Whether you need financing for daily operating expenses, machinery, livestock, building, or land purchases, we can tailor an ag loan to your specific needs.
Farm Operating Line of Credit
Farm Term Loan
When you need to upgrade your farm’s technology, replace old equipment, or purchase livestock, Citizens State Bank is available to help you get the financing you need. Reach out to us when you need to make a large purchase in order to upgrade your farm’s capabilities. Receive the financing you need with our team. We can help you get started on your application right away!
Farm Mortgage Loan
Want to Open an Account?
Citizens State Bank Roseau
118 Main Avenue South
Roseau, MN 56751-0160
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