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Citizens State Bank, Waverly, Minnesota



**SHAZAM Cash and Check Card holders... If you have lost or misplaced your card, please call us as soon as possible to status your card. If it is after business hours, please call SHAZAM at: 1-800-383-8000



For FAQs about the upcoming changes to US Savings Bonds click below:

Frequently Asked Questions about US Savings Bonds


Welcome to Citizens State Bank 

Offices in Waverly and Montrose

* * * * *


Coming Soon!
- redesigned website
- Real Time posting
- Mobile Banking

Watch for more information!

Switch to E-Statements! It’s easy!
Did you know:
- E-Statements are a great way to
go green, one statement at a time!
- With access to E-Statements, you’ll get your statements the quickest way!
- With E-Statements, you can get front & back images of your checks & deposits!
- E-statements are available for up to a year of viewing online!
Call us today to sign up! 763-658-4417

CSB has switched from Instant Cash® Visa debit & cash cards to SHAZAM® Privileged Status MasterCard™ debit and cash cards.
Surcharge-free ATM locations will be different with this change, and there are new benefits you will now experience:

*Surcharge free ATM access:
You will still have surcharge-free access at CSB’s two ATMs
Plus surcharge-free access to thousands of ATMs
(look for any of the logos shown below).
For a list of surcharge free ATMS visit any of these websites:

SHAZAM Privileged Status

*FICOŽ FalconŽ Fraud Manager
*FICO® FalconŽ Fraud Manager
is now in place to protect all of our debit and cash card holders. Falcon® is a state-of-the-art neural network that helps to reduce fraud risk by detecting potentially fraudulent PIN and Signature transactions.
Please check with the bank to see that your phone number is up to date, so that this service will work to protect you. NOTE: they and the bank would never call you to verify your card number, PIN or Social Security number (they will verify your address-only and specific transaction(s) upon any call). If you receive a call asking for this information, hang up.

The free SHAZAM Bolt$ app allows you to access balance information as well as get immediate alerts (via email) for potentially fraudulent activity such as a debit purchase for more than an amount you specify, any card-not-present debit transaction (ie online purchase), or any suspicious or high-risk transaction that occurs on your account.

To sign up for Bolt$, visit:
if you don’t have a CSB debit card, contact us to apply today!

iHELP Private Student Loans
for Citizens State Bank of Waverly:

There are many ways to pay for the cost of college.  After considering federal loans, scholarships and grants you may still have a gap to pay your total college costs.
Citizens State Bank of Waverly works with iHELP to provide an attractive private student loan.
Applying for an iHELP Loan is easy and takes as little as 15 minutes.

Click here to learn more and apply.

Consolidation loan program now also available! Click here to learn more and apply.

Citizens State Bank now offers identity theft protection, detection and restoration services at low cost to our customers:
Kroll, the leading provider of identity theft and fraud investigation services, will provide IDTheftSmart to our customers for only $2 a month per enrolled individual.  If you enroll, Kroll will be at your service to answer ongoing security-related questions, to detect any damage that has been done in the event of a possible identity theft scenario, and/or work on your behalf until full restoration of your identity has been completed.
Identity theft is on the rise; you can be vigilant!  Ask us for more information or stop in to sign up today!


On your way to St. Cloud and in need of cash? Citizens State Bank is now providing surcharge free ATM withdrawals for CSB customers at the Harvest Bank in St. Augusta, and at Gohmann's SuperValu in Kimball!


Online Account Opening with CSB is easy!

Open an Account Online

Our new Online Account Opening feature offers you the opportunity to open an account from the convenience of your home, any time of the day or night. Many of our most popular account options are available. Click on the above link now to start opening your new account today.


Click here to check out our Pre-Paid Loadable Visa Cards


Online Banking is a very convenient way to access your account information, view statements and perform basic transactions within your accounts. It is important to follow some basic practices to insure that your Online banking experience remains safe and secure. Click on the following link for some great information on how to keep your online activity safe and give you peace of mind. 

Online Safety Brochure.pdf


The Mission of Citizens State Bank is to provide quality, trusted community banking every day, with personal service second to none. We offer both traditional and innovative products and services coupled with exceptional customer service. Our friendly, knowledgeable employees are dedicated to working with you to find the best fit to achieve your financial goals, offering competitive rates on loans and CD’s along with checking and savings account options suited to your needs. Citizens State Bank has always been, continues to be, a Strong, Safe, and Secure community oriented financial institution.    



Online Banking

Login Name


You must be registered to use online banking.

Click below to receive your application for Online Banking

Go to the Department of Housing and Urban Developement Go to the FDIC's Website Go to the ProfitStars website

Contact a bank representative at



For more information about FDIC insurance coverage, visit www.fdic.gov.


A brief history of U.S. paper currency
The history of paper currency in the United States is closely intertwined with the growth of our nation. As we prepare for the Federal Reserve’s Centennial this year, we are reminded of the Fed’s critical role in maintaining confidence in U.S. currency. The Federal Reserve Act of 1913 was the foundation for the independent central bank, but the history of currency in the United States has a long and colorful past. Discover facts about paper currency that span the centuries, from 1690 to present. Full Article


Bank Locally with Your Community Bank

To find your local community bank, visit ICBA’s community bank locator at www.icba.org/locate.  Simply type in your zip code and the app will show you all the community banks in your area.  You can even download free ICBA locator apps for your iPhone, Android or Blackberry.


Fixing up your Home? CSB has the funds for you!

Find out how you can receive loan funds for your home remodeling or fix up projects....new windows, A/C unit, roofing, siding, and more!

For more information - click here: