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Citizens State Bank
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Free Reward Checking

This free checking account pays you high interest & nationwide ATM fee refunds all for just doing a few banking basics.

It’s Easy to Earn Your Rewards

It’s so easy to qualify!!! All of the following transactions and activities must post and settle to your account during each Monthly Qualification cycle:

1) Restrictions apply. Account holder must qualify to receive higher interest rate up to $10,000. Tiered interest rates with blended APY. Base interest rate paid on non-qualifying account. Monthly qualification cycle ends one day prior to the monthly statement cycle. Receiving an e-statement, via Online Banking, required to open and maintain the account.

APY=Annual Percentage Yield. APYs are accurate as of 11/24/20. Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.32% -2.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account.

“Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Qualifications for the account include having at least one ACH credit or debit post and clear and have at least 12 debits card post and clear account during monthly qualification cycle. The advertised Reward Checking APY is based on compounding interest. The actual interest paid may be less than the advertised APY. Intra-bank transfers do not count as qualifying transactions. ATM transactions do not count towards monthly debit card purchases. Rates may change after account is opened. Limit one account per social security number.