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Personal Checking

Account Type More
Info
Opening Deposit Monthly Service Charge # Checks Per Month ATM/Debit Card Interest Bearing
Personal Checking
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More» $100 None Unlimited ATM/Debit No

Personal Checking

  • $100 minimum to open
  • No monthly service charge
  • Free Visa Debit/ATM card
  • Unlimited Check writing
  • Free Online Banking and Bill Pay
  • $3 montly paper statement fee

You can avoid the paper statement free by:
  • Maintaining a $1,500 average monthly balance, or
  • Receiving eStatements (requires active online banking account and active/valid email address)

    *Charges for Special Services such as ATM activity, overdraft charges, etc., apply.

NEW!
Free Green Leaf Checking
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More» $100 None Unlimited ATM/Debit No

Free Green Leaf Checking includes:

  • Online banking and bill pay
  • Electronic statements
  • Debit/ATM card
  • Mobile banking
  • Account alerts
  • Direct deposit-no minimum

Green Leaf Bonus

  • Earn a $100 Total e bonus with Green Leaf Checking*
  • ATMs fees refunded up to $25/month*

    Requirements for Green Leaf Bonus:

    To qualify for bonus and refund of ATM fees each monthly statement cycle, account holders must:
    • Pay 3 bills using our online bill pay system
    • Recieve electronic statements
    • Make 15 settled debit card transactions
    • Maintain a $500 average daily balance
      Paper Statements: This account requires you to maintain an active online banking account, and active email address and accept eStatements monthly. If your email address becomes invalid and/or eStatement is undeliverable, account will be changed to receive paper statements by mail and a $3.00 Paper statement fee will be assessed each monthly statement cycle. This account requires you to accept electronic statements and maintain a valid email address.

      *To receive the total "e" bonus, account holder must meet the following requirements per statement cycle. Maintain a $500 average daily balance, pay 3 bills using our online bill pay system, receive monthly electronic statements and make 15 settled debit card transactions. Bonus is earned monthly and paid in 12 monthly installments up to a maximum bonus of $100 per account, for the initial year only. Bonuses paid in the amount of $10 or greater will be reported as interest to the IRS. Domestic ATM fees are refunded up to $25 per statement cycle when requirements are met; international ATM fees are not eligible. If account does not meet requirements during a given statement cycle, ATM fees will not be refunded.
High & Free Checking
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More» $100 None Unlimited Debit Card Yes

High &Free Interest Checking Requirements

  • Minimum $100 opening deposit.
  • 15 Debit Card Transactions in a Statement Cycle.
  • ACH or Direct Deposit.
  • Must receive an Electronic Statement.

Perks

  • *High Rate of Interest on funds up to $25,000.99
  • FREE First 150 BancAbility Checks.
  • *FREE Nationwide ATMs.
  • FREE Visa Debit/ATM Card.
  • Online Bill Pay Available.
  • Paper Statements: This account requires you to maintain an active online banking acount, an active email address and accept eStatements monthly. If your email address becomes invaild and/or eStatments is undeliverable, account will be changed to receive paper statements by mail and a $3.00 Paper Statement Fee will be assessed each montly statement cycle.

*The 0.75% Annual Percentage Yield (APY) is paid on balances up to $25,000.99 and 0.10% APY on balances $25,001 and over per statement cycle when requirements are met. ATM fees are refunded up to $25 per statement cycle when requirements are met. International ATM fees are not eligible for refund. If account does not meet requirements during a given statement cycle, ATM fees will not be refunded and a .00% APY will be earned on all balances. To meet requirements an account holder must: receive monthly electronic statements, have one ACH direct deposit or payment, and 15 settled debit card POS transactions per statement cycle. A $100 initial deposit is required to open this account, but no minimum balance is required to maintain it. No monthly service charge.

Citizens Plus
More» $100 $7.00 Unlimited ATM/Debit Yes

Citizens Plus

  • Interest is compounded daily and paid to the account monthly
  • $100 minimum to open the account
  • Daily balances of $1000 or more will obtain the disclosed A.P.Y
  • A service charge of $7.00 per statement cycle will be charged when the balance falls below $500.00

Special Services for Citizens Plus Account Holders

  • 400 Citizens Plus checks per year printed free. Any other style available at a discount.
  • Notary services
  • No fee to purchase cashier’s checks, money orders, and traveler’s checks (single signature only)
  • Discounts available on selected sizes of safe deposit boxes with automatic debit for payment

*The interest rate may change at any time. If an account is closed before interest has been credited, no accrued interest will be paid for that cycle.

Interest begins to accrue no later than the business day the bank receives credit for the deposit for non-cash items, such as, checks.

Note: Rates subject to change. Fees on Money Market, Super Now, and Savings accounts could reduce yields.

Citizens Plus 55
More» $100 None if minimum balance of $500 is maintained daily Unlimited ATM/Debit Yes

Citizens Plus 55

  • For our customer of age 55 years and older
  • Interest-bearing checking account*
  • Interest is compounded daily and paid to the account monthly
  • Daily balances of $1000 or more will obtain the disclosed A.P.Y
  • $100 minimum to open the account
  • NO SERVICE CHARGE if the balance is $500 or more on each day during the statement cycle
  • A service charge of $7.00 per statement cycle will be charged if the balance drops below $500 on any day during the statement cycle.

Special Services for Citizens Plus 55 Account Holders

  • 400 Citizens Plus checks per year printed free. Any other style available at a discount.
  • notary services
  • No fee to purchase cashier’s checks, money orders, and traveler’s checks (single signature only)
  • Discounts available on selected sizes of safe deposit boxes with automatic debit for payment

*The interest rate may change at any time. If an account is closed before interest has been credited, no accrued interest will be paid for that cycle.

Interest begins to accrue no later than the business day the bank receives credit for the deposit for non-cash items, such as, checks.

Note: Rates subject to change. Fees on Money Market, Super Now, and Savings accounts could reduce yields.

Now Checking
More» $100 None if minimum balance of $1,000 is maintained daily 30 ATM/Debit Yes

Now Checking

  • Interest-bearing checking account
  • Interest is compounded daily and paid to the account monthly
  • $100 minimum to open the account
  • NO SERVICE CHARGE if the balance stays at $1000 or above on each day of the statement cycle.
  • A service charge of $6.00 per statement cycle will be charged if the balance drops below $1000 on any day during the statement cycle.
  • Daily balances $500 and over will earn the disclosed A.P.Y.

*The interest rate may change at any time. If an account is closed before interest has been credited, no accrued interest will be paid for that cycle.

Interest begins to accrue no later than the business day the bank receives credit for the deposit for non-cash items, such as, checks.

Note: Rates subject to change. Fees on Money Market, Super Now, and Savings accounts could reduce yields.

Money Market Checking
More» $1,000 None if minimum balance of $1,000 is maintained daily 6 Third Party; 6 debits total ATM Yes
.h2>Money Market Checking
  • Interest-bearing checking account
  • Interest is compounded daily and paid to the account monthly
  • $1000 minimum to open the account
  • Withdrawals when made in-person, by mail, or by ATM are not restricted
  • NO SERVICE CHARGE if the balance stays at $1000 or above on each day of the statement cycle.
  • A Service Charge of $6.00 per statement cycle will be charged if the balance drops below $1000 on any day during the business cycle.
  • Maximum of six (6) third-party checks or transfers per statement cycle.
  • Maximum of six (6) debits (total) per statement cycle.
  • No minimum transaction amount.

A minimum deposit of $1,000 is required to open this account and the rate is based on the following tiers: $0-2,499.99; $2,500-9,999.99; $10,000-49,999.99; $50,000 and above. Rates are subject to change without notice.

*The interest rate may change at any time. If an account is closed before interest has been credited, no accrued interest will be paid for that cycle.

Interest begins to accrue no later than the business day the bank receives credit for the deposit for non-cash items, such as, checks.

Note: Rates subject to change. Fees on Money Market, Super Now, and Savings accounts could reduce yields.

Health Savings Account(HSA)
More» None when minimum balances are maintained Unlimited ATM/Debit Yes

Citizens State Bank of Paola's HSA transacts like an interest-bearing checking account, but funds withdrawn should be for qualified medical expenses.

Citizens State Bank of Paola's Health Saving Account features:

  • HSA Debit Card
  • Duplicate checks in quantity of 25 or 50
  • Monthly Statement
  • Free Internet Banking
  • Free Internet Bill Pay
  • A service charge of $5.00 per statement cycle will be charged if the balance drops below $1000 on any day during the statement cycle.
  • Interest rates are tiered on your HSA, so your rates will increase as your account balance grows.Click Here for current interest rate tiers and balances.

    Please visit the HSA Service Center. It has all of the information that you need regarding Health Savings Accounts.

    When you are ready to establish your account, come on in to any of our locations and speak with a Retail Banker.

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