Citizens State Bank
Oh What Fun It Is To...
have a Totally Free Checking with Citizens State Bank . Not every bank has an account that does not charge a monthly maintenance fee or required a minimum balance.
We make it simple so you can go enjoy the fun things in life! Open your Totally Free Checking Account today in a matter of minutes.
Are you using your dog as a blanket?
A Home Equity Loan can help you upgrade your furnace to stay warm for real. A new furnace can give you both back your personal space.
Need to move money fast?
Rapid Transfer money movement between your account at another financial institution and your account here at Citizens State Bank can happen in seconds, 24/7, all right in your online banking App.
One Card, Endless Possibilities
Load your debit card into your digital wallet for a secure way to tap and pay or pay online.
Debit card credit purchases made in-person/in-store (without using your PIN) could get you into the Mastercard Sweepstakes*
*Customers can also enter by mail (no purchase needed). For full details on entry rules and requirements, please see the official rules on the website:
Did you hear the U.S. Treasury has discontinued minting new pennies? What does that mean for you?
Citizens State Bank will no longer be able to order pennies from the Federal Reserve and we will begin rounding all cash back to the nearest five cents starting January 1, 2026.
Don't worry~
- Pennies remain legal tender
- We will continue to accept pennies
- You're not required to turn in your pennies
- Pennies will not lose their value
- Businesses should prepare for the 'change' (no pun intended) in penny availability
- Digital transactions are not affected
Working Together
Meet Jon Fumich, our Vice President/Business Banker. Jon discusses how every Citizens State Bank team within the different departments works together to build the relationship our customers deserve.
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Cold night, warm meal and stretchy pants - what could be better?
A Totally FREE Checking, that comes with a Totally FREE Crock Pot. Take 3 minutes to open your account today online.
2026 Closed Federal Holiday Schedule
New Year’s Day - Thursday, January 1
Martin Luther King Day - Monday, January 19
President’s Day - Monday, February 16
Memorial Day - Monday, May 25
Juneteenth - Friday June 19
Independence Day - Friday, July 3 (Observed)
Labor Day - Monday, September 7
Columbus Day/Indigenous People's Day - Monday, October 12
Veterans Day -Wednesday, November 11
Thanksgiving Day - Thursday, November 26
Christmas Eve - Thursday, December 24 - All offices close at noon
Christmas Day - Friday, December 25
New Year’s Day - Thursday, January 1
Martin Luther King Day - Monday, January 19
President’s Day - Monday, February 16
Memorial Day - Monday, May 25
Juneteenth - Friday June 19
Independence Day - Friday, July 3 (Observed)
Labor Day - Monday, September 7
Columbus Day/Indigenous People's Day - Monday, October 12
Veterans Day -Wednesday, November 11
Thanksgiving Day - Thursday, November 26
Christmas Eve - Thursday, December 24 - All offices close at noon
Christmas Day - Friday, December 25