Personal Banking

Personal Banking Checking

FREE Checking Account with OOPS!
A personal checking account with no monthly service charge and no minimum balance required

FREE GladiatorChecking Account with OOPS!
The checking account for school employees with a direct payroll deposit and no monthly service charge and no minimum balance required

FREE Rattler Checking Account with OOPS!
The checking account for school employees with a direct payroll deposit and no monthly service charge and no minimum balance required

Regular Checking Account with OOPS!
The basic checking account that gives you the option of avoiding monthly service charges

Government Benefits Checking Account with OOPS!
A personal checking account with a low monthly service charge for customers receiving direct government benefits

NOW Checking Account with OOPS!
The interest bearing checking account with Overdraft Protection

Money Market Checking Account
The interest bearing checking account with limited check writing

FREE Checking Account with Occasional Overdraft Privilege Service
A personal checking account with no monthly service charge and no minimum balance required

Master Money Debit Card (fees may be incurred at a foreign bank's ATM).
Free ATM service at Citizens State Bank Roma & Rio Grande City Branch
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.
Free 24 hour telephone banking
Free first order of 50 wallet duplicate checks
Unlimited check writing
You will receive a bank statement only, (no cancelled checks and no imaging).
Free 2 copies of cancelled checks per month. A fee of $2.00 for additional copies.
If you close your account within 90 days a $ 50.00 service fee will apply.
If you account is at a zero balance for 30 consecutive days it will be considered closed.
We offer a $600.00 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 a $1.00 per calendar day daily overdraft fee after the 7th consecutive day your account is overdrawn.
An overdraft fee of $ 27.00 will be assessed for any item being paid with your overdraft limit.
An NSF fee of $ 27.00 will be assessed for any item being paid or returned.
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.