Your checking account is your financial command center. It receives paychecks, handles daily spending, and keeps your money secure. But, not all checking accounts are created equal. Here’s what to look for - and how Citizens State Bank’s options measure up!
1. Low (or Waivable) Fees
Look for accounts that either charge no monthly service fee or offer ways to avoid it.
- Rewards Checking: $8 monthly fee, waived if you maintain a $300 minimum balance.
- CSB NOW Account: $10 monthly fee, waived with a $1,500 minimum balance.
(Minimum balances must be maintained for the entirety of the month/statement period)
2. Convenient Digital Access & Banking Tools
Having flexible, secure access to your money is essential. Both CSB checking accounts offer:
- Complimentary online banking.
- Mobile banking with Bill Pay+.
- A Visa® debit card for easy purchases.
3. Security & Fraud Protection
Peace of mind matters.
- The CSB Rewards Checking Account adds layers of protection including identity theft protection, cell phone protection, buyers' protection and extended warranty, plus shopping rewards, travel and leisure discounts, and health discounts - all at no extra cost (registration required).
4. Interest Earning (When You Meet Thresholds)
Having a higher balance pays off.
- The CSB NOW Account is interest-bearing, giving you more from your balance over time.
(Minimum balances apply)
5. Perks That Truly Reward Your Banking Habits
Get more out of your daily activities.
- The CSB Rewards Checking Account stands out with protections and discounts (as mentioned above).
- The CSB NOW Account gives you value through interest earnings, for everyday banking with benefits (as mentioned above).
When choosing a checking account, look for features that fit your lifestyle: easy access, security, low fees, real rewards, and interest when it makes sense. Whether you value peace of mind, convenience, or earning potential, Citizens State Bank has a checking account that's right for you. Visit us to find your perfect fit, with friendly, local support every step of the way!
