All the tools needed to build financial efficiency
Reduce overhead
Low monthly fees leave businesses with more money for high-priority matters.
True time-savers
Easily access accounts and move money 24/7 with Online and Mobile Banking.
Simplify spending
Use our Visa® business debit card1 to make fast, easy payments and purchases.
Our accounts put you in complete control of your finances
For some businesses, sending paper checks to pay bills and purchase inventory still makes the most sense. At other businesses, the focus is on streamlining operations with digital tools that make it easy to move money instantly, monitor transactions in real time, and deposit funds without visiting a bank branch. Our two checking options offer maximum flexibility so your business can manage finances exactly the way you want.
- $100 minimum deposit to open account
- Avoid $15 monthly service charge by keeping minimum balance of $2,000
- Online Banking and electronic Bill Pay
- Mobile Banking and mobile check deposit
- Free Visa® debit cards1 for quick purchases online and in stores
- Access to nationwide network of ATMs
Looking to add a revenue stream? Check out our interest-bearing Business NOW account.
- Earn competitive interest on checking deposits
- $1,500 minimum deposit to open account
- Avoid $10 monthly service charge by keeping minimum balance of $1,500
- Online Banking and electronic Bill Pay
- Mobile Banking and mobile check deposit
- Free Visa® debit cards1 for quick purchases online and in stores
- Access to nationwide network of ATMs
Open or Close Comparison Table
Put us to work for you
Citizens State Bank takes pride in helping local businesses succeed. In addition to checking and savings accounts, we offer a full suite of business loans, cash management services, credit card processing, and much more. Our bankers will take the time to understand your banking needs and recommend solutions that are right for you today and will grow with you tomorrow.
Business Checking Fee Details and Disclosures
Limitations: You must deposit $100.00 to open this account.
Account Fees: A minimum balance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $2,000.00 any day of the cycle. No minimum balance fee is assessed if the account has three or less withdrawals per monthly statement cycle, excluding electronic fund withdrawals.
Business NOW Fee Details and Disclosures
Rate Information: This Account is an interest-bearing account. The interest rate and annual percentage yield (APY) are included in the Rate Chart (insert LINK). The interest rate and APY may change at our discretion no more than weekly. Interest begins to accrue on the business day of your deposit. Interest will be compounded and credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. If this account is used as an IOLTA Trust Account, then Interest (less applicable fees and service charges) will be sent to the Texas Equal Access to Justice Foundation.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $1,500.00 to open this account.
1Visa Debit cards are subject to a $5 replacement fee. Non CSB ATMs may impose additional fees and surcharges. You may also be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.