Citizens State Bank offers a variety of banking services. Click on the Quick Links below to go straight to the CSB service you are looking for.
 

ATM Service

•  Withdraw cash or make Deposits at any authorized ATM
•  Montrose Bank has drive up ATM
•  Waverly Bank has walk up ATM
•  No transaction fees for ATM withdrawals on the Instant Cash network
•  No transaction fees for ATM withdrawals at any Wells Fargo branch
•  For a complete list of ATM’s in our network, use the ATM Locator

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Internet Banking, Bill Pay and E-Statements

Bank anytime and anywhere with ease with CSB’s Internet Banking. All activity is personal, confidential and completely secure! You must have a Login ID and Password to enter. For your login ID and password, contact a bank representative.

•  Secure access to your accounts over the internet
•  View Account Balances and Historical Information
•  Transfer Funds
•  Make Loan Payments
•  Pay Bills with FREE Bill Pay
•  Save paper and request your period statements by E-Statement today!
•  Download to Quicken and Money
•  View Pending ACH and Auto Debit Transactions
•  Set Email Alerts
  •  Balance Alerts
  •  Pending ACH Transaction Alert
•  Financial Calculators
•  Easy, Fast and FREE!
•  www.bankwaverly.com or www.bankmontrose.com

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Telephone Banking

Banking made easy from any touchtone telephone.
Dial-A-Bank offers:

•  24-Hour Banking
•  Transfer Funds
•  Loan Payments
•  Check Account Balances
•  Convenient, Efficient and Secure
•  Customer # and PIN # required for access
•  Call us at (763) 658-4488 or (800) 658-4488

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Electronic Banking

•  Direct Deposit of Social Security or Payroll
•  Auto Debits from your account to pay bills
•  Automatic Transfers for Loan Payments
•  Automatic Transfers to Savings
•  Wire Transfers
•  Savings Bonds
  •  For information and valuation go to Savings Bonds Online at  www.treasurydirect.gov
•  T-Bills, Notes and Bonds
•  TT&L Payments

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Credit Cards

We offer both Personal and Business Visa cards through Elan Financial services.

•  Choose from:
  •  Cash Rewards
  •  Travel
  •  Business
  •  Platinum
  •  Regular
  •  Student
  •  Young Adult
•  Ask for an application, or apply online at: https://online1.elancard.com/oad/begin?locationCode=1855
•  Merchant Services available (set your business up to accept Credit Cards and more)
•  Cash Advances made on Visa and MasterCard

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Cash Cards and Check (Debit) Cards

We offer both Instant Cash Cards and Instant Cash and Check Cards

•  Use Instant Cash Card for ATM cash withdrawals
•  Use Instant Cash and Check Card in place of a check
  •  Use anywhere Visa is accepted
  •  Debits directly from your checking account
  •  Use at ATM’s for cash withdrawal
•  No Annual Fee
•  No withdrawal fee when used at a CSB ATM
•  Search other no-fee ATM’s in our network, use the ATM Locator
•  Ask for an application today!

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Visa Gift Cards

The Visa Convenient Card is a prepaid card that can be used anywhere that Visa is accepted. You decide the dollar limit, from $10 to $500 per card, so gift giving is easy! Lost or stolen cards can be replaced, so it is more secure than cash, and recipients are not limited to one store to use the card. Stop by CSB and pick up your Visa Gift Cards today!

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Checks/Check Services

•  Deluxe Checks through CSB
  •  To order Deluxe Checks, Call us at (763) 658-4417 or give us your check reorder form
  •  Many varieties to choose from
  •  Service and quality guaranteed
  •  Click on www.Deluxe.com to order Deluxe Checks online
•  Money Orders
•  Cashier’s Checks
•  Check Image Retrieval
•  Checkbook Balancing Assistance
•  Check Cashing
•  Check Collections

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Competitive Rates

Check out our competitive rates on CD’s, IRA’s and Savings Accounts

•  Interest Rates may vary on a daily basis, call (763) 658-4417 for more information

Safe Deposit Boxes

Safe Deposit Boxes are available in both Montrose and Waverly.

•  Keep your valuable documents and items secure
•  Annual Rental Fees apply
•  Small, Medium & Large boxes available in both Montrose and Waverly
•  Extra Large and Jumbo available in Montrose only

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General Banking Services

•  Bank by Mail
•  Coin Counting
•  Community Information
•  Fax Services
•  Legal Documents
•  NADA Vehicle Valuation
•  Night Depository at Both Locations
•  Notary Public Services
•  Photocopies
•  and more!

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Financial Calculators

Please click the link below, and then select Financial Tools from the column on the left hand side of the screen. (Financial calculators are an estimating tool only, the bank does not guarantee the results.)

Financial Calculators
 

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