Business Checking Accounts

Checking Account & Cash Management Services

Online Privacy Transaction Guidance

Commercial Checking Account

  • Minimum Opening Deposit: $500.00
  • Service Charge based upon account activity analysis. All service charges may be offset with the maintenance of compensating funds in the account.
  • Account Items and associated fees:
    Minimum Maintenance Fee - $10.00
    Per Credit Item - $0.50
    Per Debit Item - $0.15
    Deposit Item - $0.10
    Per Mobile Deposit Capture - $0.55

This account features an earnins credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but will not be paid, carry foward, or otherwise receive credit for any excess earnings credit. The Earnings Credit Annual Percentage Rate (APR) is 0.25% below the Federal Reserve Bank Discount Rate. This annual rate is multiplied by the average collected balance in the account (less 10.00% for Federal Reserve requirement). This amount is then adjusted to the number of days in the monthly cycle and applied towards the total amount of the service charges. The difference between the amount of service charges and Earnings Credit is what you will be charged on your monthly statement. If the Earnings Credit is larger than the amount of service charges, you will have NO fee for the month. This is a non-interest bearing account.

Negative average collected balances will be charged at 11.00%. Rate is adjusted at our discretion.

Business FLEX Account (eStatements)

An account designed around a small business that is flexible. The account grows with your business growth. This Account only offers Electronic statements.

Item Count* Monthly Fee
0 – 75 Free
76 – 150 $10.00
151+ $20.00
Excess Item (All above 300) $0.50

*Items include checks paid (including electronic checks), checks deposited, deposit tickets, POS Transactions, ACH debits, and ACH credits. An electronic check is a check that has been used as a source of information to enable a one-time payment from your account in the form of an ACH debit.

Business FLEX Account (Paper Statements)

An account designed around a small business that is flexible. The account grows with your business growth. This Account only offers Paper statements.

Item Count* Monthly Fee
0 – 75 $5.00
76 – 150 $15.00
151+ $25.00
Excess Item (All above 300) $0.50

*Items include checks paid (including electronic checks), checks deposited, deposit tickets, POS Transactions, ACH debits, and ACH credits. An electronic check is a check that has been used as a source of information to enable a one-time payment from your account in the form of an ACH debit.

Merchant Services

  • Payment Processing Solutions & End-to-End Solutions from Citizens State Bank & Elavon

Comprehensive Cash Management Services

  • Quick account balances
  • Up to 24 months of account and bill payment histories
  • Transfer between bank accounts
  • ACH originations (credit/debit)
  • Direct Deposit Payroll
  • EFTPS (Electronic Funds Tax Payment Service)
  • Wire transfer origination