Citizens State Bank .
 
 

Personal Checking Accounts

Account disclosures detailing terms and conditions of specific accounts are available upon request
by calling us at any one of our locations. Terms and fees may be changed by us at any time after
reasonable notice to you as provided by law.

No Frills Checking Account

  • Minimum balance to open this account is $100.00
  • Minimum balance to avoid a fee—if your balance falls below $100.00 on any day in the statement cycle, your account will be subject to a $10.00 Service Charge for that statement cycle.
  • Deposit limitations – You may make unlimited deposits into your account
  • Additional Terms: Images of cancelled checks/deposits will not be returned with your monthly statement.
  • Children under 21 years old and Senior Citizens 65 years or over are exempt from service charge
  • MasterCard Debit Card available
  • Unlimited check writing ability
  • ACH deposits and withdrawals
  • Internet access to account
  • 24 Hour Voice access to account
  • Designed for personal accounts


Personal Checking Account

  • Minimum balance to open this account is $100.00
  • Minimum balance to avoid a fee- If your balance falls below $500.00 on any day in the statement cycle, your account will be subject to a $10.00 Service Charge for that statement cycle.
  • Deposit limitations: You may make unlimited deposits to your account.
  • Children under 21 years and Senior Citizens 65 years and older are exempted from service charge upon notification to the bank.
  • Unlimited check writing ability
  • Monthly statement with check images enclosed
  • MasterCard Debit Card available
  • ACH deposits and withdrawals
  • Internet access to account
  • 24 Hour Voice access to account
  • Designed for personal accounts


Now Checking Account

  • Minimum balance required to open this account is $100.00
  • Minimum balance to avoid a fee-If your balance falls below $1,000.00 on any day in the statement cycle, your account will be subject to a $10.00 Service Charge for that statement cycle.
  • Deposit Limitations- You may make unlimited deposits into your account.
  • Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
  • Compounding frequency- Interest will be compounded daily
  • Crediting frequency-Interest will be credited into this account monthly.
  • Effect of closing an account- If you close your account before interest is paid, you will not receive the accrued interest.
  • Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
  • Rate information- At our discretion, we may change the interest rate for this account. The interest rate and the annual percentage yield may change daily.
  • Monthly statement with check images enclosed
  • Unlimited check writing
  • MasterCard Debit Card available
  • ACH deposits and withdrawals
  • Internet access to account
  • 24 Hour Voice access to account
  • Designed for individuals, sole proprietorship, Unincorporated Non Profit Organizations
    and Government Unit

Check our Rates>


Preferred Investment Checking Account

  • Minimum balance to open-The minimum balance required to open this account is $100.00.
  • Minimum balance to obtain the disclosed annual percentage yield-You must maintain a minimum daily balance of $1000.00 in your account each day to obtain the disclosed annual percentage yield.
  • Minimum balance to avoid a fee- If your balance falls below $1,000.00 on any day in the statement cycle, your account will be subject to a $10.00 Service Charge for that statement cycle.
  • Deposit limitations- You may make unlimited deposits into your account.
  • Accrual of interest on noncash deposits- Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
  • Compounding frequency- Interest will be compounded daily
  • Crediting frequency-Interest will be credited into this account monthly.
  • Effect of closing an account-If you close your account before interest is paid you will not receive the accrued interest.
  • Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
  • Rate information- at our discretion, we may change the interest rates for this account. The interest rate(s) and annual percentage yield(s) may change daily.
  • Withdrawal limitations- a $10.00 Service Charge for excess withdrawal penalty will be assessed on all withdrawals exceeding limit.
  • Limitations on frequency of transfers- During any month you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
  • Additional Terms. If transfer or withdrawal limits are exceeded 3 times within a 12 month period, account will be closed or a non-limited transaction checking account will be opened.
  • Variable Tier Rate Interest
  • Monthly statement with check images enclosed
  • ACH deposits and withdrawals
  • Internet access to account
  • 24 Hour Voice access to account
  • Designed for individuals and businesses

Check our Deposit Rates>


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Citizens State Bank, 1330 W. Commerce Street, PO Box 278, Buffalo, Texas 75831 |
903-322-4256
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