No Service Charge Checking

No Service Charge Checking

Checking accounts without a service charge are available to non-profit organizations, students, and citizens aged 60 and older.

Regular Checking

  • No minimum opening balance
  • $5.00 monthly service charge
  • $0.10 fee per debit transaction
  • $0.10 credit for each $100.00 average daily balance each statement cycle

Checking with Interest (NOW)

  • $800.00 minimum average daily balance
  • Interest compounded daily
  • $0.10 debit fee per debit transaction per statement cycle if balance falls below $800.00
  • $5.00 service charge if balance falls below $800.00
  • Corporations are not eligible for NOW Checking

Shazam® Chek Cards

(Checking Account Required)

The Citizens Savings Bank Shazam Chek card gives you the convenience and ability to leave your checkbook at home. Use the Chek card to make purchases (like a credit card) only it accesses your checking account.

  • Daily cash withdrawal limit of $200.00.
  • Card issuance is subject to proper application and approval.

Lost or Stolen Debit Cards 24/7

SHAZAM :: (800) 383-8000 ::

Direct Deposit

Enjoy the convenience, safety, and security of having your retirement benefits, social security checks, or payroll checks electronically deposited to your account.


With a $25 opening balance, you can have the Citizens Savings Bank EasyChek Account.  You will also receive the following benefits:

  • No minimum balance required.
  • No charge per check paid.
  • No monthly service charge with e-statements.
  • If you would like a monthly paper statement issued, there will be a paper statement fee of $1.00 each statement cycle.* This fee will not apply to accounts for students or senior citizens (person 60 years of age or older).

* Applicable Iowa state sales tax may apply.