Citizens State Bank of LA Crosse in La Crosse, WI

Citizens State Bank was established in Clayton, Wisconsin in 1907 as a partner to farmers, helping them purchase land, equipment, seed, and livestock. The bank expanded significantly with a move to La Crosse in 2005 (new headquarters), followed by Onalaska in 2008, Eau Claire in 2010, and Altoona in 2011. Today, it operates as one of the fastest-growing banks in Wisconsin since 2005.

The bank offers personal and business checking and savings accounts, including their proprietary Get More™ and Get More™ w/Interest checking accounts powered by the BaZing app. They provide comprehensive mortgage lending services for home purchases and refinancing, along with standard banking services like deposits, loans, and account management. The bank is FDIC-insured and holds NMLS #402159.

Citizens State Bank differentiates itself through what they call the "Citizens Experience"—a high-energy banking environment with a 2-Hour Rule Guarantee on voicemail and email responses. They emphasize value-added services beyond traditional banking, such as offering Colectivo Coffee at drive-thru windows. The bank has been recognized as a Best Bank to Work For by American Banker and positions itself as creating customer happiness rather than simply processing transactions.

The company operates within Wisconsin only with five physical locations. While their website emphasizes customer experience and value-added services, specific details about loan terms, interest rates, fees, and competitive advantages versus other regional banks are limited. Their focus appears primarily on relationship banking and employee culture rather than digital-first or national banking services.