Basic Checking
Personal NOW Checking

Basic Checking

Our FREE, non-interest bearing checking account with no minimum balance requirements.

Requires an opening deposit of $5.00 or more. Free CITIZENS ONLINE Banking. Unlimited check writing privileges. Choose to receive images or not. First order of CSB checks FREE. ATM/SHAZAMChek debit card available upon qualification. CITIZENS RESERVE line of credit available upon qualification. * A check copy copy fee of $1.00 will be charged each time you request a copy of a cancelled check.

Personal NOW Checking

Our interest bearing checking account for our customers wishing to receive their cancelled checks and who maintain a higher balance.

Requires an opening deposit of $1,000.00 or more. No monthly service charge if average daily balance is at least $1,000.00.* Images returned in monthly statement. FREE CITIZENS ONLINE Banking. Unlimited check writing privileges. First order of CSB checks FREE. ATM/SHAZAMChek debit card available upon qualification. FREE automatic savings to checking transfer feature available upon request. CITIZENS RESERVE line of credit available upon qualification. Interest accrued daily and compounded monthly. See current rates. FREE safe deposit box for one year with NEW account.   * Service charge of $6.00 per month plus $.20 per debit transaction if average daily balance falls below $1,000.00. *Fees could reduce earnings on account.

Super Savings
Ultra Money Market Savings Account
Educational Investment Account
Retirement Savings

Super Savings

Requires an opening deposit of $5.00 or more. Minimum balance requirement of $1,500.00 to earn Super Savings rates. See current rates. No monthly service charge. ATM card available. Interest compounded monthly. Monthly statement issued. FREE safe deposit box for one year with NEW account.

Ultra Money Market Savings Account

Our highest earning savings account that allows you the flexibility of keeping your savings readily available.

Requires an opening deposit of $5.00 or more. Minimum balance requirement of $10,000.00 to earn Ultra Savings rates. See current rates. No monthly service charge. ATM card available. Interest compounded monthly. Monthly statement issued. FREE safe deposit box for one year with NEW account.

Educational Investment Account

A wonderful, simple way to save for your children and grandchildren's secondary education!

Requires an opening deposit of $5.00 or more. No monthly service charge. Interest compounded quarterly. Quarterly statement issued. Earns a very competitive rate of interest. See current rates. Penalties for withdrawals prior to child reaching age 18 and not being enrolled in a post-secondary educational institution. Entire balance must be withdrawn by age 25, (account owner).

Retirement Savings

A savings account for qualified funds.

Requires a minimum opening deposit of $500.00. Interest compounded quarterly. See current rates. Annual statement issued. IRA account guidelines apply.

Citizens State Bank offers certificates of deposit and other qualified investments, (traditional IRAs, ROTH IRAs, educational IRAs (CESA's), Health Savings Accounts (HSA's), and SEP accounts), ranging from 91 days to 60 months. For our customers needing a more flexible option, we offer retirement savings accounts. Citizens State Bank offers competitive deposit rates and we invite you to check out our Current Rates. In addition, Citizens State Bank also makes available to you the tax-deferred alternative of fixed rate annuities.*

It is never too early to begin saving for your future or the future of your children and grandchildren and we understand that the investments you choose are a very personal and important decision. Please come in and talk with us about your financial goals and let us help you get the most out of your savings with an investment product that best fits you.

*Annuities are not FDIC insured, are not obligations of Citizens State Bank, are not a deposit of or guaranteed by Citizens State Bank, and involve investment risks including the possible loss of principal.

ATM Cards

Citizens State Bank offers you 24 hour a day, seven day a week convenience with our instant cash card. Use your card to deposit funds, transfer funds between accounts, or withdraw cash. For your convenience, Citizens State Bank offers you two convenient locations - in Sheldon, visit our 24 hour drive through ATM located at Citizens State Bank or in Boyden, visit our ATM located in Pit Row on Hwy. 18.

Come talk with us and apply for your ATM card today!

Nationwide ATM locator                

SHAZAMChek

The Citizens State Bank SHAZAMChek is like having your cash, checkbook and ATM card all rolled into one. SHAZAMChek allows you to make purchases directly from your checking account without the hassles of writing a check. Use your SHAZAMChek to make purchases at millions of MasterCard merchants worldwide and skip the checkout delays that come with check approvals and proof of identification. All purchases made with your Citizens State Bank SHAZAMChek will be listed on your monthly checking account statement for your record keeping convenience. Your SHAZAMChek is much safer and easier to carry than cash or checks and can be used at ATMs worldwide, anywhere you see the familiar MasterCard, SHAZAM, or CIRRUS symbols.

Citizens State Bank offers you SHAZAMChek at no fee if you use your card to make a purchase at least four times per monthly statement cycle. Come apply for your Citizens State Bank SHAZAMChek today and leave your checkbook at home!

To enroll in the Mastercard SecureCode program, please click here, SecureCode, or go to the "What's New" page for more information.

MasterCard/Gold MasterCard

When you need to make a credit card payment, have a question about your monthly statement or lose your card, who are you going to call? Why deal with faceless people somewhere behind the 1-800 number when you can deal with the friendly, dependable staff at Citizens State Bank that you know and trust. We service your MasterCard account right here and can provide you with complete account information!

Citizens State Bank offers MasterCard and Gold MasterCard to qualified applicants at a competitive annual percentage rate and with a 25 day grace period. Depending on your account relationships with us, you could qualify for your card with NO ANNUAL FEE!  

MasterCard

When you use your Citizens State Bank credit card for the purchase of goods or services the following benefits are yours!

Eye Wear Discounts - This program entitles you to savings on most eye wear products. Cardholder Vantage Point - A quarterly newsletter will come to you with your card statement. Travel Accident Insurance - You are automatically covered by accidental death and dismemberment protection when traveling by common carrier worldwide. Travel Reservations - Call toll-free 24-hour on hotel/motel reservations, rental car arrangements, airline, train, or cruise tickets. Travel Dividends - Cash dividends on airline tickets, car rentals and lodging whenever you use the Travel Reservations service. Travel Discounts - You are guaranteed special savings on auto rental rates at Avis, Hertz and National. Emergency Cash - You have emergency cash available, up to $500, if you should be stranded without cash.

Gold MasterCard

Gold MasterCard gives you all of the above benefits PLUS:

Fast Packer - (Short Notice Travel) Trip Planning Service Discount Shopping Credit Card Registration and more!

For more information on a Citizens State Bank MasterCard/Gold MasterCard or to apply for your card, please stop in or call us at your earliest convenience!

Life is full of changes and Citizens State Bank invites you to come talk with us about how we can help you through those changes. Whether your need is a new vehicle, home improvement, college financing, debt consolidation or a much needed vacation, our loan officers are anxious to talk with you.

Citizens State Bank offers a variety of secured or unsecured installment loan options with varying terms to fit your needs. We offer competitive rates with flexible repayment plans including a .25% rate discount for choosing automatic payment from your Citizens State Bank checking or savings account.

We Lend The Local Way!

When you come to Citizens State Bank for your borrowing needs you'll experience the local difference that only a Real Community Bank can give. Our loan officers are local people who understand the economy of the Sheldon area, and who care about your financial needs. Your loan application will NOT be sent to an out of town office where people who you don't know and who don't know you make your credit decision. Instead, your application will be considered right here by the loan officers you know and trust. We'll make the lending decision quickly, because we know that your time is valuable. We're helpful people ready to help you.

Visit with Dennis Gorter, Kathy Kruger, Dennis Ten Clay, Dan Matus, Travis Klein or Rob Dixon in Sheldon or stop in to our Boyden office and talk with Bill Engeltjes or Luci Steenhoven and see how a Citizens State Bank installment loan can benefit you.

Auto Loan Help

If you're considering the purchase, sale or trade-in of a new or used vehicle we offer you our Auto Loan Calculator as you consider payments and prices and encourage you to visit the following links as a reference:

NADA Guides

Citizens State Bank can help!  We offer Federal Stafford Loans for students and Federal PLUS loans for parents. 

Federal Stafford Loans can be subsidized or unsubsidized.  These are government guaranteed student loans with a variable interest rate that changes annually on July 1.  The type and amount of loan that you may qualify for will be determined by the college or university that you attend.

PLUS Loans are loans for parents of dependent, undergraduate students.  These loans are government guaranteed with a variable interest rate that changes annually on July 1.  The maximum loan amount is the cost of attendance minus other financial aid.

You must submit the Free Application for Federal Student Aid (FAFSA) and receive an award letter from your college or university before you can apply for either Federal Stafford or PLUS loans.  FAFSA applications can be completed online at www.fafsa.ed.gov. 

For more information on preparing for college, we recommend the College Planning Center (CPC) at www.collegeplanning.org.  CPC provides free services and assistance to students and their families.

We can help!

Citizens State Bank is pleased to offer you free information in a brochure entitled Planning and Funding YOUR College Education. This brochure describes the process for applying for financial aid, the types of financial aid available, the Federal student loan programs, and the ways in which we can assist you with the financing that you'll need to help pay for college.  Our Federal Stafford Loans offer a zero percent origination fee and an interest rate reduction with on-time payments. Call Patsy in our Sheldon office or Kathy in our Boyden office for a copy of this FREE brochure!

Commercial Products & Services
Agricultural Products & Services

Commercial Products & Services

Commercial Loans
Citizens State Bank offers a wide range of commercial loans to finance inventory, machinery and equipment, account receivables and operating capital. Loan terms can be obtained for up to seven years for machinery and equipment and can be set up with a variety of repayment options. All loans have competitive interest rates and can be structured to meet the cash flow needs of your business.

Commercial Real Estate Loans
Citizens State Bank offers real estate loans for the purchase or refinance of commercial real property. Terms can be scheduled for up to twenty years dependent on the nature of the collateral pledged for the loan. We offer three and five year adjustable rate mortgages as well as balloons, and in some scenarios, can offer up to a fifteen year fixed rate.

Government Assisted Loans
Citizens State Bank participates in numerous state and federal commercial loan programs. Small Business Administration (SBA) guaranteed loans are used for applicants not meeting traditional loan requirements. Theses loans can be used to assist those applicants who desire to start a new business or for the purchase of a new business. The State of Iowa also has LINK loans that Citizens State Bank has used to allow women, minorities or targeted small businesses to receive loans at below market interest rates. Stop in and see any of our loan officers who would be willing to discuss these loans with you.

Commercial Deposit Products with YOUR Business in Mind
We understand that no two businesses are just alike, so at Citizens State Bank we'll tailor your commercial checking account to fit your business needs! We also offer commercial Money Market accounts in which to deposit your short-term excess and put it to work for you! Whether you're a new business owner, a new manager, or an established business person who wants to re-evaluate your banking strategy - come talk with us about how Citizens State Bank's commercial accounts can work for you!

Agricultural Products & Services

Operating Loans
Citizens State Bank offers a wide range of operating loans for our farm customers. These loans can be obtained for crop or livestock operating needs including purchase price cattle and hog loans. The terms of the loans are scheduled for repayment based on the cash flow of each operation. Reduced rates are available for crop inputs and also for purchase price livestock.

Term Operating Loans
Citizens State Bank makes loans for the purchase of machinery, equipment and breeding stock for terms of up to seven years. We offer competitive fixed as well as variable rates and can structure the repayment to match to cash flow of the farm operation.

Farm Real Estate Loans
Looking to purchase or refinance a farm or construct a new building? Make sure you stop by or call Citizens State Bank to obtain our rates. Citizens State Bank offers very competitive rates and terms on farm real estate loans. We offer three and five year adjustable rate loans and balloons, as well as some fifteen year fixed rates. Loans can be amortized for up to twenty-five years depending on the collateral pledged for the loan.

Government Assisted Loans
Citizens State Bank is committed to the future of agriculture and participates in several different agricultural loan programs to assist beginning farmers and those borrowers who do not qualify for ag loans on traditional terms. Citizens State Bank uses the Farm Service Agency loan guarantee programs to assist these applicants in obtaining operating, machinery, breeding stock, etc. Some of these loans are eligible for interest assistance from the government that reduces the rate to below market terms. Citizens State Bank also participates in the State of Iowa "Beginning Farmer" Loan Program. This program allows a beginning farmer to obtain loans at below market rates for the life of the loan. Contact a Citizens State Bank loan officer to see if you qualify for any of these programs.

Home Purchases

At Citizens State Bank we understand what an exciting, stressful, and important step buying a home can be. We offer a variety of different home purchase plans and will happily help you select the mortgage loan plan that best fits your financial goals. Citizens State Bank offers the following choices to homebuyers:

	First-Time Homebuyer Programs*
	Rural Development Guaranteed Loans*
	Long - Term Fixed Rate Loans
	Home Equity Loans
	Home Equity Lines of Credit (HELOC's)
	Adjustable Rate Mortgages (ARMs)
	Balloons
	*Programs subject to state funds availability.

We invite you to come and talk with any of the loan officers at Citizens State Bank to find out how we can help you make the home of your dreams a reality!

For your convenience, Citizens State Bank offers the following safe deposit box rental options:

Open a New NOW account, Premier Checking, Super Savings or Ultra Money Market Savings and receive the safe deposit size of your choice FREE for one year!

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

*An Iowa state and local sales tax will apply to this fee.