Both of our checking accounts go above and beyond
Loaded with Perks
Rewards Checking comes with shopping deals, health discounts and more.
Right on the Money
Our NOW account pays competitive interest on checking deposits.
Time-Saving Tech
Enjoy anytime account access with Digital Banking.
Purchasing Power
Our complimentary Visa® Debit Card allows you to make fast, easy purchases online and in stores.
Our goal is to always to exceed your expectations
At Citizens State Bank, there's no such thing as a "basic" checking account. Instead, each of our checking options come with extraordinary value. Whether you choose an account that includes budget-friendly discounts and ID theft protection or one that puts extra cash in your pocket, you'll find all the money management tools you need – and much more.
- $100 minimum opening deposit
- Avoid $8 monthly fee by maintaining minimum balance of $300
- Online Banking and Bill Pay1
- Mobile Banking and mobile check deposit
- Free Visa® Debit Card and access to nationwide ATM network2
- Plus these benefits: Identity theft protection*; cell phone protection*, buyers protection and extended warranties*; shopping rewards*; travel and leisure discounts*, and health discounts*
- Earn competitive interest on deposits
- $1,500 minimum opening deposit
- Avoid $10 monthly fee by maintaining minimum balance of $1,500
- Online Banking and Bill Pay1
- Mobile Banking and mobile check deposit
- Free Visa® Debit Card and access to nationwide ATM network2
Open or Close Comparison Table
1See online banking summary for more details about this program.
2Subject to a $5 fee to replace lost/stolen Visa® Debit Card.
*Registration and activation are required to receive these rewards.
For detailed information on eligibility, restrictions of rewards, and insurance coverage, see Citizens Reward Checking Disclosures.
Frequently Asked Questions
How do I open an account?
Accounts can be opened in-person at any of our seven branch locations.
What information is needed to open a checking account?
When opening a checking account, you will need:
- Two forms of ID (one photo ID)
- Proof of address (if current address is different from that shown on ID)
- Check, money order, or cash for initial deposit
Are my deposits covered by FDIC Insurance?
All depositor’s accounts at an insured depository institution such as CSB, including all noninterest-bearing transaction accounts, are insured by the FDIC up to the standard maximum deposit insurance amount ($250,000) for each deposit insurance ownership category. For more information about FDIC insurance coverage, visit FDIC.gov.
How long does it take to receive a debit card?
Debit cards are printed on-site at our Somerville and Navasota Branches and can be instant issued. Otherwise, debit cards take around 1 week to be mailed.
What happens if my card becomes compromised, I am hit with fraudulent activity, or I lose my card?
In instances like these, we ask that you call our e-services department at 979-596-1421. If it is after business hours, please call this number: 888-297-3416.
Build your savings towards what matters.
Start savings for your goals, big or small. With flexible options and competitive rates, your future is with in reach.