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Personal Checking Accounts

Non-Interest Bearing Accounts

Account Type Go Green Checking Regular Checking Reconnect Checking Senior Elite Checking
Overview An environmental friendly approach to banking with eStatements. Designed for the customer who wants a classical checking account. Designed for the customer who has a Checksystems record and wants to re-establish a checking account history.
Designed for customers 60 and older to enjoy a classic checking account with added benefits.
Minimum Opening Balance
$50.00 $50.00 $50.00 $50.00
Minimum Daily Balance
(Fee assessed each monthly statement cycle)
Minimum Balance Fee Balance Minimum Balance Fee Minimum Balance Fee Balance Minimum Balance Fee
None $750.00 and Above None None $300.00 and Above None
$500.00 - $749.99 $5.00 $299.99 and Below $5.00
$499.99 and Below $7.50
Monthly Maintenance Fee
None None $10.00 None
Bill Pay Three and Free* Three and Free* Three and Free* Three and Free*
Statements eStatements Required+ eStatements or Paper Statements Free eStatements or
Paper Statements
eStatements or Paper Statements
Additional Benefits mybank Advantage** mybank Advantage** mybank Advantage** mybank Advantage**
Free Money Orders
Free Cashiers Checks
Available Account Features
(Additional Fees May Apply)
Overdraft Privilege
Pay it Foward
Auto-Transfer to a Linked Account
Overdraft Privilege
Pay it Foward
Auto-Transfer to a Linked Account
Pay it Foward
Auto-Transfer to a Linked Account
Overdraft Privilege
Pay it Foward
Auto-Transfer to a Linked Account

*    Three and Free - Billpay fee of $5.95 imposed if less than three bills are paid via Billpay per monthly statement cycle
**   mybank Advantage - Free Mobile App, Free Debit Card, Free Online Banking, Free eStatements, Free Personal Financial Manager, Free Mobile Deposit Capture, and  Installment Loan Discounts with automatic payments from linked checking account (Must be an installment loan from Citizens State Bank and applied to the loan at origination)
+ eStatements Required - If you choose to Opt-Out of eStatements, your account will automatically be converted to a regular checking


Interest Bearing Accounts

Account Type NOW Checking MyCash Checking
Market Area Residence Required+++ No Yes
Overview Designed for the customer who wants an account that earns interest. Designed for the customer who wants a high yield checking account.
Minimum Opening Balance
$1,000.00 $50.00
Minimum Daily Balance
(Fee assessed each monthly statement cycle)
Balance Minimum Balance Fee Minimum Balance Fee
$1,000 and above None None
$999.99 and below $10.00    
Rate Information
Balance APY*** Balance APY***
$1,000 and Above 0.20% $20,000 and Below 2.50%
Below $1,000 Does not earn interest $20,000.01 and Above 0.25%
    Account Requirements not met 0.01%
Account Requirements++ None Direct ACH Deposit
Fifteen (15) Debit Card Point of Sale Transactions
Receive eStatements (No Paper Statements will be mailed)
Additional Benefits mybank Advantage** mybank Advantage**
Available Account Features
(Additional Fees May Apply)
Overdraft Privilege
Pay it Foward
Auto-Transfer to a Linked Account
Overdraft Privilege
Pay it Foward
Auto-Transfer to a Linked Account

*    Three and Free - Billpay fee of $5.95 imposed if less than three bills are paid via Billpay per monthly statement cycle
**   mybank Advantage - Free Mobile App, Free Debit Card, Free Online Banking, Free eStatements, Free Personal Financial Manager, Free Mobile Deposit Capture, and  Installment Loan Discounts with automatic payments from linked checking account (Must be an installment loan from Citizens State Bank and applied to the loan at origination)
***  APY (Annual Percentage Yield) - Your interest rate and APY may change daily at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks). We compound interest monthly and credit interest earned monthly at the end of each statement cycle. We use the daily balance method to calculate the interest on your account. This method applies as daily periodic rate to the principal in the account each day. If fees are incurred on the account, they could reduce earnings.
++   Account Requirements - Qualifying Transactions must post and settle to your Checking account during the monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to your checking account during the monthly statement cycle. ATM transactions do not count towards the qualifying number of debit card point of sale transactions. Transfers between accounts do not count as qualifying transactions. A Banking Day is defined as Monday through Friday 8:30 am – 4:30 pm excluding federal holidays.
+++ Market Area Residence Required - The account owners must reside in the Market Area of Citizens State Bank. The Market Area of Citizens State Bank is defined as Smith County, Henderson County and counties that border Smith or Henderson County.


IMPORTANT INFORMATION

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all Financial Institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


Citizens State Bank will require a valid picture Texas Driver's license and your social security card prior to opening any account.