Citizens State Bank Locations

Citizens State Bank is a banking provider with 14 locations across the US.

14locations

6states

136services

Citizens State Bank is an independent state-chartered banking institution that provides financial services to individuals and businesses. As a state bank, it operates autonomously without affiliation to a larger banking holding company or network.

The bank operates 14 branches across the United States, with primary operations in Texas, Nebraska, and Wisconsin. As a state bank, it offers standard banking products including deposit accounts, lending services, and commercial banking products typical of regional banking institutions.

Prospective customers should verify current account fees, deposit insurance coverage, and service offerings directly with the bank before opening an account. Deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits, and the bank is subject to state banking regulations in the states where it operates.

Services Offered

24-hour ATM access at both locations ATM access and locator service ATM access and locator services ATM and debit card services with fraud watch protection ATM network access Accessibility services (AudioEye enabled) Account balance viewing and inquiry Agricultural banking and financing Automatic transfers between accounts Bill pay service Bill payment services Business banking Business banking and loans Business banking services Business checking accounts Business checking accounts (minimum $250) Business checking and savings accounts Business loans and customized commercial credit Business savings accounts Business savings accounts (minimum $50) CSB credit card products Callback request service for account opening and lending inquiries Card statement access online Certificates of Deposit (CDs) Certificates of Deposit with terms from 182 days to 5 years (minimum $1,000) Check mobile deposit Check ordering online Check reordering Checking accounts Checking and savings accounts Commercial and agricultural loans Commercial loans and business financing Community Reinvestment Act (CRA) public file access Community lending and investment programs Community scholarships for high school graduates Construction loans Consumer financial literacy resources Credit card issuance and management Customer service and support Debit card issuance with instant-issue capability (coming soon) Debit cards with digital wallet integration Deposit accounts and checking services Direct deposit processing Document shredding services (annual community event) Drive-up banking facilities E-statements (digital statements) Electronic fund transfers between accounts FDIC deposit insurance protection FDIC insured deposits FDIC-insured checking accounts FDIC-insured savings accounts Financial calculators Financial calculators and tools Financial calculators for planning Financial education programs for students Financial forms and calculators High-Yield IRA accounts Home equity lines of credit (HELOC) Home equity loans Home loans and mortgage lending Home loans for new purchases and refinancing In-person banking at 10 branch locations In-person banking at Boyden office In-person banking at Sheldon office Individual Retirement Account CDs with 18-month terms (minimum $100) Insurance products Investment brokerage services Jr Citizens Banking for minors Loan payment portal Long-term investment products Lost or stolen card replacement Lost or stolen card reporting and replacement Mobile banking Mobile banking application Mobile banking via CSB GoMobile app Mobile deposit and mobile banking app Money Market accounts with high yields Money Service Business accounts with armored cash courier services Money market accounts (minimum $1,000) Money orders and cashier's checks Mortgage application services Mortgage lending Mortgage lending (home purchase and refinance) Mortgage lending (home purchase, refinance, portfolio loans) Mortgage lending and home financing Mortgage loans for home purchase and refinancing Mortgage origination and servicing MyCard debit card services NOW accounts (minimum $1,000) New account promotions and gifts Night depository service Notary services Online account access and login Online account access and login portal Online and retail online banking enrollment Online banking and SmartBank platform Online banking login portal Online banking platform Online banking platform with 24/7 account access Online banking platform with login and account management Online banking with 24/7 access Online banking with account management and fund transfers Online banking with secure messaging Password reset and account recovery services Payment processing and services Personal and business credit products Personal and business lending Personal and commercial loans Personal checking accounts Personal checking and savings accounts Personal loans Personal loans (auto, boat, RV, mobile home, appliance, vacation, college) Personal loans and lines of credit Personal loans with flexible terms Personal savings accounts Positive Pay fraud protection Regular checking accounts (minimum $250) Remote deposit capture Residential mortgages with competitive rates SHAZAMChek checking accounts Safe deposit boxes Same-day principal-only loan payments Savings accounts Savings accounts (minimum $50) Security enhancements including one-time passcodes SmartPay Business Remote Deposit Totally Free Checking accounts Treasury management for cash flow optimization Treasury management services for businesses Trust Department and fiduciary services Trust and estate services User account enrollment for new customers Wealth management and investment advisory Wire transfers Wire transfers and fund transfers eStatements and electronic document delivery

Strengths

+FDIC-insured deposits backed by full faith and credit of U.S. Government
+FDIC insured — deposits protected up to $250,000
+Local community bank with personal service
+Over 145 years of continuous operation and community presence in Stephenson County
+Locally-owned and independent with all business decisions made by local staff who live in the community

Things to Consider

–Limited geographic footprint compared to national banks, serving primarily Stephenson County, Illinois area
–Investment and wealth management services disclaim FDIC protection and potential value loss
–Website content appears incomplete in several sections with placeholder text ('Your content goes here')
–No clear information about specific account types, fees, interest rates, or minimum balances

Company Details

Founded: 1880
Headquarters: Lena, IL

All Citizens State Bank Locations by State

IA(3 locations)

Citizens State Bank

Monticello, IA's Citizens State Bank at 117 W 1St St downtown provides accessible banking for the local community. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Citizens State Bank

Sheldon's Citizens State Bank location is at 808 3rd Ave in central Iowa, offering full banking services to the community. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Citizens State Bank

Wyoming, IA's Citizens State Bank at 114 W Main St offers local banking services including checking, savings, and lending to residents. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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IL(1 location)

Citizens State Bank

Lena, IL residents find Citizens State Bank at 102 W Main St for local banking services and ATM access. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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MI(1 location)

Citizens State Bank

Royal Oak, MI Citizens State Bank at 32500 Woodward Ave serves the banking needs of local residents and business owners. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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NE(2 locations)

Citizens State Bank

At 209 3rd St in Carleton, NE, Citizens State Bank offers personal and business banking. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Citizens State Bank

Wisner, NE's Citizens State Bank branch at 921 Avenue E provides banking services to the local community. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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TX(6 locations)

Citizens State Bank

At 224 N Main Street, Citizens State Bank in Anton, TX provides banking services to the community. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Citizens State Bank

Corrigan, TX's Citizens State Bank at 300 N Home St serves the community with banking services. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Citizens State Bank

Miles, TX residents can visit Citizens State Bank at 111 S Robinson St for local banking services. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Citizens State Bank

Sealy, TX residents can visit Citizens State Bank at 222 Main St for personal banking services. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Citizens State Bank

Somerville, TX's Citizens State Bank at 155 8th St offers convenient banking services to the local community. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Citizens State Bank

Woodville's Citizens State Bank at 102 W Bluff St provides local banking services. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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WI(1 location)

Citizens State Bank

Hudson, WI's Citizens State Bank branch at 375 Stageline Rd offers full-service banking for local residents and businesses. This Citizens State Bank listing is part of the CreditDoc directory. Review pricing, refund policy, licensing, and public complaint context on the full profile before contacting the branch. Every Citizens State Bank location links back to a full CreditDoc review with sourced fields.

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Frequently Asked Questions About Citizens State Bank

What is Citizens State Bank?

Citizens State Bank is an independent state-chartered bank providing banking services to individuals and businesses across 14 U.S. locations.

In which states does Citizens State Bank operate?

Citizens State Bank has branches primarily in Texas, Nebraska, and Wisconsin.

What regulatory oversight applies to Citizens State Bank?

As a state-chartered bank, Citizens State Bank is regulated by state banking authorities and is subject to federal oversight. Customer deposits are insured by the FDIC up to applicable limits.

About this Citizens State Bank page: CreditDoc aggregates public location, contact, and rating data for Citizens State Bank across the United States. Each location links to a full CreditDoc profile with sourced fields, BBB rating context, and public complaint signals from the Consumer Financial Protection Bureau where available. Compare Citizens State Bank listings side by side with peer providers in the same category before contacting a specific branch.

How to use this brand hub: Use the state-grouped locations above to jump to a specific Citizens State Bank branch near you. Every branch profile shows what services are offered, whether the location is licensed, and how it compares to peer providers in the same city. When comparing brands, look for consistency in pricing disclosure, service listings, refund policies, and licensing across every branch — brand-level consistency is a strong signal of a well-run provider.

Data sourcing: Location addresses, contact numbers, and website URLs are collected from provider disclosures. BBB rating and accreditation status come from the Better Business Bureau. Google rating and review-count signals are shown only where at least one stored review is available. Public complaint context comes from the CFPB Consumer Complaint Database. All fields on the underlying profile pages are dated and sourced.

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