Savings Account

Minimum Monthly Balance

$25.00 OR MORE – Six free debits per month, $.50 fees per chargeable debit over six. **

Money Market Account

Minimum Monthly Balance

$500 minimum daily balance is required to avoid a monthly service fee of $5.00.

Tier 1 – $1,000,000.00  or more

Tier 2 – $250,000.00  –  $999,999.99

Tier 3 – $100,000.00  –  $249,000.00

Tier 4 – $10,000.00  –  $99,999.99

Tier 5 – $0.01  –  $9,999.00

**Please contact a personal banker for our current money market rates.**

Limited to six withdrawals or transactions per month. A $10 service fee will be assessed for each transaction in excess or six per monthly statement cycle. Bank may require seven (7) days prior to closing account.

Funds availability brochures are available upon request.

For further information on any of our products, please call Customer Service at 806-997-4351.


CITIZENS STATE BANK DOES NOT ACCEPT NEW ACCOUNT APPLICATIONS ONLINE.  YOU MUST APPEAR IN PERSON TO OPEN A NEW ACCOUNT.

Important information about procedures for opening a new account:

In compliance with the Patriot Act, enacted to assist 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, effective October 1, 2003.

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 will also ask to see your driver’s license or other identifying documents.