Online Banking
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Bankwise Small Business

With small businesses and farmers in mind, Citizens Savings Bank has created the BankWise Small Business account. The account is ideal for businesses and farms with limited activity and low minimum balances.

An account with the small business owner or farmer in mind.

If the account maintains an average balance of $500.00 during the monthly statement cycle, the $5.00 maintenance fee is waived.

During the statement cycle, the first 100 items* are at no charge.  Any items* over 100 will incur a fee of $.10 per item.

* Items include any deposits and other credits, checks paid and other debits, Automated Clearing House(ACH), and deposited Items.

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Bankwise Commercial

For customers with high volume activity including currency and coin, Citizens Savings Bank has the BankWise Commercial account. When the minimum balances are maintained, the monthly maintenance fee is waived.

An account for a larger business customer.

If the account maintains an average balance of $5,000.00 during the monthly statement cycle, the $10.00 maintenance fee is waived.

During the statement cycle, the first 200 items* are at no charge.  Any items* over 200 will incur a fee of $.10 per item.

* Items include any deposits and other credits, checks paid and other debits, Automated Clearing House(ACH), and Deposited Items.

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Business Investor

Businesses can earn interest on excess funds with our business Money Market account. The BankWise Business Investor offers monthly interest while maintaining liquidity.

Your interest rate and annual percentage yield may change at any time and at our discretion.

Interest will be compounded and credited to your account monthly.

Call any of our three locations for more details on our products.

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eStatements

We offer eStatements, which are an electronic version of your paper statements that are delivered to you through internet banking. You can print or download them to your computer for electronic storage.

We offer eStatements, which are an electronic version of your paper statements that are delivered through internet banking.

  • You can print or download them to your computer for electronic storage.
  • When you elect to receive eStatements, we will waive the $2.50* per month paper statement fee.
  • To enroll, please sign up for internet banking and you will be able to select the accounts you would like to receive electronically.

*Service charges are subject to Iowa State sales tax.

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Rec-Chek

Rec-Chek is a recording keeping system that provides a monthly report that reflects the monthly and year to date accumulated totals for each pre-selected income and expense category.

Rec-Chek is a record keeping checking account system.

By adding a three digit income and expense category code to each deposit and check, the customer is provided  a monthly report, along with the bank statement.

This statement reflects monthly and year-to-date accumulated totals of each of the pre-selected income and expense categories coded on your checks.

The categories are generally standardized, however they can easily be tailored to suit each individual.

For more information and pricing, please contact the Marshalltown office.