
The new ownership of Citizens State Bank makes it a priority to bring in new, cutting-edge technology. The mission is to make banking simpler and more accessible to everyone.
We believe in promoting innovation and continually improving and streamlining the banking process so you can focus on what really matters. These are the products brought online to help our customers bank easier, faster and better.
Our team is thrilled about these new technologies and wants you to share in their excitement. In addition to new technology, we offer extraordinary customer service in a friendly and welcoming atmosphere. Stop by any time, we would love to answer any questions you may have.

EASE OF USE
Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust.
- Enroll or log in to Bill Payment
- Select “Send Money With Zelle®“
- Accept Terms and Conditions
- Select your U.S. mobile number or email address and deposit account
Integrated Teller from Fiserv gives tellers instant access to the customer information necessary to provide excellent service in every interaction.
- General Significant Savings Per Transaction
- Increased Convenience
Deposit a check right in our mobile app. No need to go to the bank.
- Convenient and Easy to Use
- Process Payments or Scan Checks Outside of Bank Hours
Easily access your statements online at any time instead of waiting for them to arrive in the mail.
- Easy Online Access and Retrieval
- Immediate Availability
- Increased Security
- Reduced Clutter
TransferNow offers an easy and secure online funds transfer solution that enables consumers to securely transfer funds between accounts.
- More Control Over Your Money
- Multiple Transfer Options: One-Time, Recurring and Future-Dated Transfers


SECURITY
An extra level of security is added to the debit cards, so you know you’re always protected.
- Avoid Fees and Service Charges
- Faster Payments
- No Interest Charges
Positive Pay is a powerful fraud prevention tool used by business customers to protect against check and ACH fraud.
- Protects Your Business From Check Fraud
- Eliminates the Need to Close Accounts in the Event of Unauthorized Checks Clearing
Notifi Alerts enable accountholders to choose what they want to be alerted about, how they receive those alerts (email, text and push notification) and where they receive alerts (mobile devices and email addresses).
- Alerts Provide Relevant, “Real-Time” Information
Card Control is a companion app to our Online Banking app that allows you to control when, where, and how your CSB cards are used. Instantly turn them off and on, set controls on usage, and establish alerts for a variety of card activities.
- Monitor Your Spending
- Reduce Fraud
- Set Spending Limits


BUSINESS
Allowing Businesses to access all of their account information through their computers and mobile devices.
- Securely Check Balances At a Glance
- Deposit Checks Remotely
- Transfer Funds
ACH Manager allows you to create electronic payments and deposits and wire transfers. As part of your online Cash Management, you can originate ACH transactions and wire transfers when and where you want, safely and quickly.
- Simplify Your Payments & Save Time
- Improved Cash Flow
- Lower Costs
Online bill pay for businesses.
- Decrease Identity Theft
- Same-Day Payments
- Payment Automation
- Cleaner Back Office
- More Spend on Strategy
- Reduce Manual Workload

