Commercial Checking with Overdraft Protection
Business checking account for businesses with monthly transactions, and eligible for Occasional Overdraft Privilege Service.

•          Free 24 hour telephone banking
•          Free Internet Banking
•   Bill Pay (3 month FREE trial period)***
•   ***Bill Pay allows up to 10 payments each month for only $5.95 per month.  Payments in excess of 10 are charged $0.45 each.
•          $125.00 to open account
•          Monthly maintenance fees:
•    $ 10.00 service charge
•          During the statement cycle the first 50 debits posted to the account will be free, any additional debit transactions will be assessed a $0.20 per item fee. 
•         We offer a $1,500.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.*
•    *Occasional Overdraft Privilege Service (OOPS!) is a purely discretionary courtesy service and we are not obligated to pay any item. Overdrafts may be created by check, in person (teller) withdrawal, ATM withdrawal or electronic means. The overdrawn balance must be paid within 35 calendar days or the overdraft privilege will be terminated. Please ask for an overdraft policy for more information
•    We will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%
•   An NSF fee of $ 27.00 will be assessed for any item being paid or returned.
•          If you close your account within 90 days a fee of $ 50.00 will apply.
•          You will receive a bank statement with imaging of cancelled checks.

* Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means.  Our normal non-sufficient funds or overdraft charge (currently $27.00) will apply to each item overdrawing your account.  Typically, we will charge this �$1.00 daily overdraft fee� for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance.  Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%. We reserve the right to require you to repay your overdrafts immediately or on demand.

   Commercial NOW with Overdraft Protection
Combines check writing and interest earnings but is restricted to sole proprietors and non profit organizations, and is eligible for Occasional Overdraft Privilege Service.   

•         Free 24 hour telephone banking
•          Free Internet Banking
•    Bill Pay (3 month FREE trial period)***
•   ***Bill Pay allows up to 10 payments each month for only $5.95 per month.  Payments in excess of 10 are charged $0.45 each.
•         During the statement cycle the first 50 debits posted to the account will be free, any additional debit transactions will be assessed a $0.25 per item fee. 
•          If your balance falls below $1,000.00 any day during the statement cycle, a $5.00 maintenance fee will be assessed.
•         You will receive a bank statement with imaging of cancelled checks.
•          We offer a $1,500.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.*
•    *Occasional Overdraft Privilege Service (OOPS!) is a purely discretionary courtesy service and we are not obligated to pay any item. Overdrafts may be created by check, in person (teller) withdrawal, ATM withdrawal or electronic means. The overdrawn balance must be paid within 35 calendar days or the overdraft privilege will be terminated. Please ask for an overdraft policy for more information
•    We will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%
•    An NSF fee of $ 27.00 will be assessed for any item being paid or returned.
•          If you close your account within 90 days a fee of $ 50.00 will apply.
• Citizens State Bank policy is to pay items from highest - lowest dollar amount

* Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means.  Our normal non-sufficient funds or overdraft charge (currently $27.00) will apply to each item overdrawing your account.  Typically, we will charge this �$1.00 daily overdraft fee� for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance.  Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%. We reserve the right to require you to repay your overdrafts immediately or on demand.

   Commercial Money Market
Limited check writing with interest earnings

•          Free 24 hour telephone banking
•      Free Internet Banking
•   Bill Pay (3 month FREE trial period)***
•   ***Bill Pay allows up to 10 payments each month for only $5.95 per month.  Payments in excess of 10 are charged $0.45 each.
•          A fee of $10.00 per item will be assessed in excess of 6 transactions.
•    Transaction Limitations
• Covered Transfers and Withdrawals
•         A depositor may make no more than six covered withdrawals per statement cycle.
•          Transfers or withdrawals made to another account of the same depositor at the same bank and to a third party, if made by preauthorized transfer, automatic transfer, by telephone, including fax, or with the bank's home or internet banking service.
•          Transfers to a third party, if made by check, draft, debit card, or similar order made by the depositor and payable to third parties.
•   Non-Covered Transfers and withdrawals:
•          There is no limit to the number of non-covered transfers or withdrawals.
•         Transfers for the purpose of repaying loans and associated expenses at the same bank. 
•         Transfers from one account of the depositor to another account of the same depositor and withdrawals from the account, if made by mail, ATM, or in person.
•          Withdrawal made by telephone via check mailed to the depositor and transfer into the account.
•          You will receive a bank statement with imaging of cancelled checks.
•         An NSF fee of $ 27.00 will be assessed for any item being paid or returned.
•         If you close your account within 90 days a fee of $ 50.00 will apply.
•          Citizens State Bank policy is to pay items from highest- lowest dollar amount.