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 reciprocal Instant Cash network
•  No transaction fees for ATM withdrawals at the Harvest Bank in St. Augusta, and Gohmann's Super Valu in Kimball.
•  For a list of ATM’s in our network, use the ATM Locator

Return to the Top

Internet Banking, Bill Pay and E-Statements

Online Account Opening with CSB is here!

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.

_________________________________________

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

Return to the Top

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

Return to the Top

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

Return to the Top

Credit Cards

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

•  Choose from:
  •  Signature
  •  Business
  •  Platinum
  •  Secured
  •  College
•  Ask for an application, or apply online at: Click to Apply for a CSB ELAN Credit Card
•  Merchant Services available (set your business up to accept Credit Cards and more)
•  Cash Advances made on Visa and MasterCard

Return to the Top

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!

**Instant 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 1st Data / Instant Cash at   800-535-8440.

Return to the Top

Visa Pre-Paid Cards (Reloadable)

The Visa Convenient Access Prepaid Card is a re-loadable prepaid card that can be used anywhere that Visa is accepted. With dollar limits up to $10,000 per card, ATM access, direct deposit capability, and billpay available....this card is quite versatile.

Our Prepaid cards are perfect for:

•  Making online-internet purchases-protecting your personal information
•  Setting money aside to help stay on budget
•  Providing spending money to your student away at school - and you can control the amount
•  Making electronic Payments
•  Travel and entertainment
•  When a conventional checking account is not an option

Stop in and see us to purchase and load your cards, or for more information on these great access cards. 

***For pin change, lost cards, and other customer service questions once you have obtained your card: https://convenient.mycardplace.com/cholder  or call 800-486-0292.

Visa Gift Cards

The Visa Convenient Gift Card is a one time 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 either CSB branch to pick up your Visa Gift Cards today!

Return to the Top

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
•  Bank Money Orders
•  Check Image Retrieval
•  Checkbook Balancing Assistance
•  Check Cashing
•  Check Collections

Return to the Top

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

Return to the Top

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!

•  Stop Payment on checks or Electronic payments

If you wish to place a Stop Payment on a check or ACH/electronic payment, please contact us at 763-658-4417.

Return to the Top

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
 

Return to the Top