Skip Navigation Citizens State Bank
Enroll for Online Banking
Menu

Checking Overview

Feature

FREE REWARD Checking

Free Cash Back Checking

Free Checking

Cornerstone Checking

Cornerstone Plus

Feature: Interest Bearing

FREE REWARD Checking: Yes (1)

Free Cash Back Checking: No

Free Checking: No

Cornerstone Checking: No

Cornerstone Plus: Yes

Feature: Rewards

FREE REWARD Checking:

  • 2.50% APY* on balances up to $10,000
  • 2.50% to 0.25% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*

Free Cash Back Checking:

  • 4% cash back on debit card purchases **
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)

FREE CHECKING:

Cornerstone Checking:

  • 2 Boxes Personal Checks Free per Year
  • No Fee for Personal Money Orders

Cornerstone Plus:

Feature: ATM Fee Refunds

FREE REWARD Checking: Yes

Free Cash Back Checking: Yes

Free Checking: No

Cornerstone Checking: No

Cornerstone Plus: No

Feature: Minimum Balance required to avoid a Service Charge

FREE REWARD Checking: None

Free Cash Back Checking: None

Free Checking: None

Cornerstone Checking: If Average Balance falls below $500, a service charge of $5

Cornerstone Plus: If Daily Balance falls below $1,000, a service charge of $5

Feature: Electronic Statement

FREE REWARD Checking: Required with Images

Free Cash Back Checking: Required with Images

Free Checking: Yes with Images

Cornerstone Checking: Yes with Images

Cornerstone Plus: Yes with Images

Feature: Paper Statement

FREE REWARD Checking: N/A

Free Cash Back Checking: N/A

Free Checking: Yes without Images

Cornerstone Checking: Yes with Images

Cornerstone Plus: Yes with Images

Feature: Free Online Banking & Bill Pay

FREE REWARD Checking: Yes

Free Cash Back Checking: Yes

Free Checking: Yes

Cornerstone Checking: Yes

Cornerstone Plus: Yes

Feature: Free Debit Card

FREE REWARD Checking: Yes

Free Cash Back Checking: Yes

Free Checking: Yes

Cornerstone Checking: Yes

Cornerstone Plus: Yes

Feature: Minimum Deposit to Open

FREE REWARD Checking: $50

Free Cash Back Checking: $50

Free Checking: $50

Cornerstone Checking: $50

Cornerstone Plus: $50

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 10/22/2012. 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 2.50%; and (3) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in 0.46% -2.50% 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.

**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions and transfers between accounts do not count toward earning account rewards.

Reward Information: When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on and up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20, for nationwide internal and external ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened.

Additional Information: Receipt of electronic statements via Online Banking is required, 12 debit card purchases post and settle, and at least one ACH credit or debit are qualifications of this account. Limit one (1) account per individual taxpayer identification number.