Checking Accounts

REGULAR (PERSONAL) CHECKING

MINIMUM MONTHLY BALANCE SERVICE CHARGE  FEE
$750.00 OR MORE  NO CHARGE
$500.00 TO $750.00   $7.50 PLUS $.1250 PER DEBIT
$0.00 TO $500.00  $9.50 PLUS $.1250 PER DEBIT

GOLD CLUB ACCOUNT

Those who have Gold Club accounts receive a wide variety of services for a flat monthly fee of $9.50 or $11.50 ($4.75 or $5.75 for Senior Citizens age 55 and over) for one of these fees Gold Club customers enjoy:

  • Unlimited Checking
  • Key ring protection
  • No charge for personalized club checks
  • Credit Card protection
  • $10,000.00 or $20,000.00 Accidental Death Insurance
  • No charge for cashiers checks
  • Notary service at no charge
  • Discounts on travel & recreation
  • No charge for photocopy service, personal use only
MINIMUM MONTHLY BALANCE   SERVICE CHARGE FEE
$5,000.00 OR MORE  NO MONTHLY SERVICE CHARGE FEE

NOW ACCOUNT**

MINIMUM MONTHLY BALANCE  SERVICE CHARGE FEE
$1,500.00 OR MORE EARNS INTEREST OF .15% (.15% APY)  NO CHARGE
$0.00 TO $1,500.00 EARNS INTEREST OF .15% (.15% APY) $7.00 PLUS $.10 PER DEBIT

SUPER NOW ACCOUNT (UNLIMITED CHECKING)**

MINIMUM MONTHLY BALANCE   SERVICE CHARGE FEE
$2,500.00 OR MORE EARNS INTEREST OF .15% (.15% APY) NO FEE
BELOW $2,500.00 EARNS INTEREST OF .15% (.15% APY) $13.50 PLUS $.10 PER DEBIT

**Federal regulations limit the Now Account and Super Now Account to individual customers, non-profit customers, non-profit organizations and sole proprietorships.  Regulations prohibit corporations and partnerships from opening this type of account. 

FUNDS AVAILABILITY BROCHURES ARE AVAILABLE UPON REQUEST

For further information on any of our products, please call Ashlie Thompson at 806-997-4351.

Citizens State Bank does not accept new account applications online.  You must appear in person to open a new account.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

In compliance with the Patriot Act, enacted to assist the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, effective October 1, 2003.

WHAT THIS MEANS FOR YOU:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We will also ask to see your driver’s license or other identifying documents.