Checking
With a variety of checking options available, you will be able to find an account that best fits your needs. See the comparison chart below.
Regular Checking
This low maintenance account is just right for people who want a basic checking account.
Hometown Checking
For people who keep a somewhat higher balance, our premium Hometown Checking account earns additional benefits including interest.
Hometown 50 Checking
For people over age 50, this account offers free basic checks and a low minimum balance requirement of only $100.
Student Checking
Our Student Checking account is a no-frill, low-cost alternative for those who are still in school.
Debit & ATM Cards
Forget to order checks? Need cash and the bank is closed? For convenience at your fingertips, stop in and talk to us about an ATM/Debit card today!
Citizens State Bank is a SHAZAM Privileged Status member. As a Citizens State Bank customer, you can use ATMs of other Privileged Status financial institutions without paying surcharge fees.
Citizens State Bank's ATMs are available – free of surcharge – at the following locations:
Arlington
- Citizens State Bank (24-hour drive thru)
128 South Main Street - Handi-Mart
100 North Highway 81
Castlewood
- Citizens State Bank (24 hour)
108 East Main Street
Should your Debit or ATM Card get lost or stolen, here are contact phone numbers for your use:
- Monday through Friday from 8:00 AM to 5:00 PM: (605) 983-5594
- After hours, weekends and holidays: 1-800-383-8000
Comparison Chart
| Student Account | Regular Checking | Hometown Checking | Hometown 50 Checking** | |
|---|---|---|---|---|
| Minimum Balance | 0 | 0 | $500 | $100 |
| Monthly Service Charge | None | $2 | $8 per month if your balance falls below $500 | $5 per month if your balance falls below $100 |
| Interest | None | None | Paid monthly, accrued when minimum daily balance is over $500 | Paid monthly, accrued when minimum daily balance is over $100 |
| Statement Frequency | Monthly | Monthly | Monthly | Monthly |
| ATM Withdrawals | Free* | Free* | Free* | Free* |
| Other Benefits | First set of checks free | First set of checks free | Copies, Notary Service, First set of checks free | Copies, Notary Service, Free Basic Checks |
**Open for customers over age 50
Serving the Community Since 1901.