Citizens State Bank understands that investing in today's financial climate can be a confusing proposition. A lot has changed over the past few years. However, one thing remains the same. Depositing your hard-earned money in Citizens State Bank offers guaranteed safety and increasingly attractive growth. Citizens State Bank's accounts include free checking accounts, savings accounts, Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs) and the ACCESS™ Money Market Account, which combines high yield and outstanding flexibility. With this much variety, there's always an account that's right for you. Click on a specific program link to find out more, or email us directly with any questions. As always, you can also call us for more information at 1-800-866-9246.