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Welcome to Citizens State Bank!

At Citizens State Bank, we are committed to being your full service, independent, locally-owned community bank. Our customers rely on our expertise, professional staff and diverse products and services, many of which can be customized to suit your specific needs. All business decisions are made locally by people who live and work where you do. Above all, we listen to your needs and go the extra step to provide you with complete satisfaction.

For more than 130 years Citizens State Bank has remained confident, courteous and close by.

Attention Debit Card Holders:

Introducing our New Fraud Prevention Service.

Fraud Prevention

In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud.

Here’s how it works:

1. When potential fraud is detected, you will receive an automatic email notification from Citizens State Bank, with the option to reply with “fraud” or “no fraud”.

2. One minute after the email, you will receive a text alert from 32874 between 6 am and 8 pm CDT, which also has the “fraud” or “no fraud” option.

3. If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.

Learn more about our new Fraud Prevention Service.

If you have any additonal questions or concerns, please contact a customer service representive for assistance.

*The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it “Fraud Center,” it will display whenever you get a call from this number.

If your Debit or Credit Card is lost or stolen durning normal business hours: contact Citizens State Bank.

If your debit card is lost or stolen after hours, call 1-866-546-8273. If your credit card is lost or stolen after hours, call 1-800-423-7503.

CSB Welcomes its Newest Ag Lender!

Kimberly Durward

Citizens State Bank is pleased to announce a new Agriculture Lender has joined the CSB family. Kimberly Durward began her employment with Citizens State Bank on March 7, 2016. Kimberly is a recent graduate of the University of Wisconsin-Platteville obtaining a Bachelor’s degree in Agribusiness with an emphasis in Communications, Marketing, and Management.

Kimberly is a native of Argo Fay, IL. In her free time, she enjoys watching and playing sports as well as spending time at her family’s farm. Kimberly comments, “I have always been very interested in the Agriculture industry and enjoy helping on the farm at home. I am intrigued to see how the new technologies being developed and utilized by an increasing number of local operators will allow Agriculture to continue to advance and how the technology will change the industry as a whole.”

Kimberly will be working primarily out of the Lena office and is currently assisting staff in servicing the financial needs of farmers and Agribusiness. She will begin seeing customers on July 1, 2016.

Citizens State Bank President and CEO, Fritz Kuhlmeier stated, “With our bank’s heavy involvement in Agriculture, we are pleased to be able to employ a very capable young person, with a deep and varied Ag background and knowledge, to introduce another generational age level to service our existing and future Ag clients.”


Introducing the winners of our 2016 Scholarship!


Photo from left-right: front row: Drew Groezinger, Fritz Kuhlmeier, Bridgett Hunziker, Ariel Daws, Rene Powers, and Dorthea Fiedler. Back Row: Hayden Keltner, Haley Bunker, Nikki Bourland, Johanna Ehlbeck, Evan Voreis and Nicole Moest. Not pictured: additional scholarship winners Stephanie Nadig and Courtney Randecker

Citizens State Bank is pleased to announce the 2016 winners of the Citizens State Bank Scholarships.

Citizens State Bank has been awarding scholarships to local students for over 27 years. They are given in part when a student displays outstanding commitment to academic achievement, community service and extracurricular activities throughout their high school career. Each of the 13 area winners was awarded a $500 scholarship that can be used at any two- or four-year college or university. Winners were also invited to attend a banquet held in their honor at the Fieldstone Inn in Freeport.

This year’s scholarship winners are Nikki Bourland of Stockton High School, Haley Bunker of Freeport High School, Ariel Daws of Le-Win High School, Johanna Ehlbeck of Aquin High School, Dorthea Fiedler of Le-Win High School, Drew Groezinger of Stockton High School, Bridgett Hunziker of Aquin High School, Hayden Keltner of Pearl City High School, Nicole Moest of Le-Win High School, Stephanie Nadig of Stockton High School, Rene Powers of Stockton High School, Courtney Randecker of Stockton High School, and Evan Voreis of Le-Win High School.

Congratulations to all the winners!

Security Reminder

Security Sign

As a helpful service, Citizens State Bank would like to remind you to never share personal account information with anyone requesting it over the phone or in an email. Citizens State Bank will NEVER ask for personal account information in this manner. We recently received an alert that customers at another community bank reported receiving automated phone calls with a recording claiming that the call was coming from their bank. The recording then instructed the customers to provide their private account information. Customers who did so later discovered that unauthorized attempts had been made to access the funds in their accounts. Regardless of whether the party on the other end is a recording or a live person, please do not fall victim to this scam. When in doubt, hang up and immediately call the bank to report any information solicitations.



The FDIC has issued warnings of scams involving emails and pop-ups, as well as text messages asking for account numbers, passwords, etc. NEITHER CITIZENS STATE BANK NOR THE FDIC WILL EVER ASK YOU FOR ACCOUNT INFORMATION EITHER ONLINE, E-MAIL, OR TEXT MESSAGING. If you receive any such requests asking for account numbers, credit or debit card numbers, or passwords, PLEASE DO NOT RESPOND!

If your Debit or Credit Card is lost or stolen durning normal business hours: contact Citizens State Bank.

If your debit card is lost or stolen after hours, call 1-866-546-8273. If your credit card is lost or stolen after hours, call 1-800-423-7503.

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