Bank Officers

Member

FDIC

118 Main Ave South Phone: 218.463.2135 Monday—Friday Saturday

PO Box 160 Toll Free: 1.800.866.9246 Lobby: 9:00 am—5:00 pm Lobby: 8:30 am—12:00 pm

Roseau, MN 56751 Fax: 218.463.2943 Drive Up: 8:00 am—5:00 pm Drive Up: 8:00 am—12:00 pm

Bank Ocers

Robert J. Foley

Chief Execuve Ocer

rjfoley@cizensros.com

NMLS #677576

Stuart McFarlane

President

smcfarlane@cizensros.com

NMLS #677574

Kurt Weston

Commercial Loan Ocer

kweston@cizensros.com

NMLS #1770912

Paul LaPlante

Loan Ocer

plaplante@cizensros.com

NMLS #677575

Sco Erickson

Ag Loan Ocer

serickson@cizensros.com

NMLS #1500623

Sara Winkler

Real Estate Loan Ocer

swinkler@cizensros.com

NMLS #1604517

Jamie Simmons

Loan Ocer

jsimmons@ciznesros.com

NMLS #530682

Kelly Kofstad

Human Resources Ocer

kkofstad@cizensros.com

Kyle Horntvedt

Chief Financial Ocer

kyleh@cizensros.com

Andy Ziegler

Assistant Financial Ocer/Auditor

andyz@cizensros.com

Kelly Elton

Compliance Ocer

kelton@cizensros.com

Myrna Nelson

Informaon Technology Ocer

mnelson@cizensros.com

Adele Cummings

Operaons Ocer

acummings@cizensros.com

eBanking

Online Banking

View account informaon and complete roune

transacons for checking, savings, money markets, CDs,

loans, lines of credit and more in real me. And it’s

FREE!

 www.cizensros.com

 Available 24 hours a day

 Obtain account balances

 View transacon history

 View check images

 Receive email and text alerts with your balance,

deposits and more

 Transfer money between accounts

 Make loan payments

 Pay bills

Text Banking

Send text commands (such as BAL) from your SMS-

enabled phone to 96924 to inquire about basic account

balance and transacon history informaon. Receive

text message responses directly to your phone.

To use Text Banking, you must be enrolled in Online

Banking.

To acvate Text Banking:

1. Login to Online Banking

2. Select Opons in the

upper right.

3. Select Manage Devices

in your Mobile Banking

Prole.

4. Select the Text Banking

opon.

*Text messaging is needed to use Text

Banking and your mobile

communicaons carrier may charge

you for text messages. Please check

with your service provider for specic fees and charges.

Telebanc

Cizens State Bank oers Telebanc FREE to all

customers. Telebanc is a 24-hour touch-tone banking

service.

To use Telebanc, simply call 1.888.478.5714 (toll free)

or 463.2600.

Telebanc funcons:

 Account inquiry

 Transacon inquiry

 Check vericaon

 Payments on CSB loans

 Transfers

Mobile Banking

With our mobile banking app, you can:

 View real-me account

balances

 View recent transacon

history

 Transfer funds

 Pay bills and people

 Account alerts

 Deposit checks

Search “Cizens State Bank Roseau” in the Apple

App Store or Google Play store.

Account Alerts

You can receive Account Alerts for your checking and sav-

ings accounts each me there is a deposit or withdrawal.

You can also set up a low

balance alert to nofy you

when your balance falls

below a certain threshold.

Account Alerts can be sent to

an email address or sent as

an SMS to a mobile phone.

These alerts can be setup by

selecng the account you

wish to monitor through

Online Banking or by con-

tacng Customer Service.

You do not need to be an

Online Banking user to

receive alerts.

SecurLOCK EQUIP

Mobile Deposit

Mobile Deposit is available to all Mobile Banking users that

have the mobile banking App installed. Deposit checks

directly into your account using your Android or Apple mobile

phone. You can check the status of your deposit within the

App. It’s no cost to you!

Daily cuto: 2:30 pm

Max Deposit: $20,000

Daily Max Deposit: $20,000

Eligible items:

 Made payable to the account holder.

 Payable in US Dollars on a Financial Instuon located in

the United States

 Properly endorsed with CSB Mobile Deposit and

signature of Payee

Prohibited items:

 Any item drawn on your account

 Savings bonds

 Credit card checks

 Money orders

 No foreign checks

 Any check issued by a “Pay-Day Lender”

*Standard text and data rates apply

Digital Payments

Digital payments provide a quick, simple and secure

way to make purchases. It is easy and convenient for a

new way to pay.

To enroll, simply follow the prompts on your

smartphone or watch.

We support:

 Apple Pay

 Samsung Pay

 Google Pay

With the SecurLOCK

EQUIP app, you can customize

alerts, set transacon limits,

view recent transacons and

turn your card on and o.

There are unlimited ways to

be proacve in prevenng

fraud on your card.

Download from the Apple App

Store or Google Play Store

Personal Loans

Commercial Loans

Helping our business community grow is one

of the most important funcons a community

bank can provide.

Our Commercial Loan products include:

 Operang Loans/Lines

 Equipment Loans

 Real Estate Loans

 Leers of Credit

 Inventory/Accounts Receivable Loans

 Small Business Administraon Loans

Ag Loans

We understand agriculture in our area. We

provide products and services designed to

meet the nancial needs of your farm

operaon.

Our Ag Loan products include:

 Farm Operang Loan

 Farm Term Loan

 Farm Mortgage Loan

With a loan or mortgage from Cizens State Bank, you have nancing opons for all kinds of goals. Maybe it’s

your dream home, cabin, investment property or that long-awaited remodeling project. Maybe it’s a car,

vacaon or boat. Or maybe it’s simply an unexpected change.

 Installment & Single Pay: Finance a wide range of personal needs

including automobiles, recreaonal vehicles, vacaons, etc. We oer

compeve rates and exible terms.

 CD/Savings Secured Loan: By using your Cizens State Bank CD or Savings

Account as collateral for a loan, you can access funds at a lower interest

rate than is generally available through unsecured credit products.

 iHelp Student Loans: Cizens State Bank works with the iHelp Student Loan program to provide you an

aracve private student loan that can help you to cover the gap in total college expenses that are not

covered by federal loans, scholarships, and grants.

 Ready Credit: Ready Credit provides cash when you need it! When you write a check exceeding the bal-

ance of your checking account, we will automacally make you a loan from your authorized line of credit.

 Mortgage: Whether you are purchasing a new home, renancing your mortgage, or building your dream

home, we will be there every step of the way to make it a smooth and easy process.

 Home Equity Line of Credit (HELOC): A home equity line of credit is a revolving form

of credit that uses your home as collateral.

 Home Equity Loan: A home equity loan allows you to use the equity in your home for

just about anything you can think of, like debt consolidaon, home improvements, a

new car or recreaonal vehicle, college expenses, wedding expenses, and more with a regular monthly

payment.

Other Ways to Save

eStatements

Make the smart switch from paper statements to eStatements. eStatements are elec-

tronic copies of your account statements that you can view, search, save and print.

You can have your eStatements emailed to you and you can access them through

Online Banking.

eStatements are:

 Faster than paper statements

 Conveniently archived on Online Banking so you can view past statements easily

 More secure than paper statements because they’re accessed using your account

 Environmentally-friendly

Health Savings Account (HSA): An HSA is a tax-deferred deposit account that earns interest and can be used to pay

for qualifying medical expenses, whether they happen today or someme in the future. When you turn 65, you can

connue to use the funds in your HSA for medical expenses, tax free and penalty free, or you can withdraw as much

money as you wish, penalty free, for any non-medical reason. Individuals or employers can contribute to an HSA. (This

account is ed to a Health Savings Account—Checking Account)

Cercates of Deposit*

 91 day to 5 year terms available

 $1,000 minimum balance required

 Jumbo cercate available, minimum $100,000

IRA Savings* - Tradional

 Interest is tax deferred

 Contribuons may be tax deducble

 No annual fees, no charges

 Annual contribuons may vary based on new tax regulaons

IRA Savings* - Roth

 More exibility than tradional IRA

 No annual fees, no charges, no tax on earned interest

 Annual contribuons may vary based on new tax regulaons

IRA Savings* - Educaonal

 Available for educaon

*Federal regulaons require substanal penalty on all about IRA’s for early withdrawal.

Prime

Regular Now Access

Minimum to Open $100 $100 $500 $1,000

Minimum Daily

Balance

$0 $0 $500 $1,000

Monthly Service Fee None None $6

$10

Interest Bearing Yes No Yes Yes

Refund ATM Fees Yes No No No

eStatements/Paper

Statements

eStatement Only

eStatement– Free/

Paper—$2

eStatement– Free/

Paper—$2

eStatement– Free/

Paper—$2

To earn the higher interest rate for this account, you are required to have 15 debit card transacons, have one direct deposit or ACH withdrawal, have a valid

e-mail address and accept an electronic statement. If these requirements are met during the monthly qualicaon cycle, ATM fees incurred Naonwide, during the

monthly qualicaon cycle, will be reversed and credited back to your account. The maximum ATM fee refund, per monthly qualicaon cycle, is $20. ATM fees of

$4.00 or less will be reimbursed up to a maximum of $4.99 per individual transacon. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt

is presented to a representave at our bank. ATM withdrawals do not count as qualifying debit card transacons for purposes of earning rewards within this

account.

+If daily balance falls below the minimum balance required to open that account. Waived if average ledger balance exceeds $1,500.

Checking Accounts

Savings Accounts

Regular 18 & Under Health Savings Accounts

Minimum to Open $50 $10 $0

Minimum Daily Balance $0 $0 $0

Monthly Service Fee $1

None None

Interest Bearing Yes Yes Yes

eStatements/Paper

Statements

eStatement– Free/ Paper—$2 BOTH eStatement– Free/ Paper—$2

If daily balance falls below the minimum balance required to open that account.

This account is ed to a Health Savings Account—Checking Account

No statement fee for 18 & under. Fee will automacally be applied with applicable.

Debit Cards

Addional Services

 24 Hour ATM

 24 Hour Night Depository

 ACH Origination

 Automatic Transfers

 Bank by Mail

 Bill Pay

 Canadian Currency Exchange

 Canadian Funds Drafts

 Cashier’s Checks

 Direct Deposit: Social Security, Government Assistance, Payroll,

Pensions, Veterans, etc.

 FDIC Insurance

 Gift Cards

 Money Orders

 Notary Service

 Safe Deposit Boxes

 Signature & Medallion Guarantee Service

 Stop Payments

 Telephone Transfers

 VISA Credit Cards

 Wire Transfers

ATM Locaons

 Inside CSB –24 Hours

 Cenex C-Store -10PM

Cizens State Bank oers a variety of card opons powered by TransFund. ATM, Consumer, Business and now

the brand new Roseau Rams card. When choosing the RAMS card, everyday purchases means Cizens makes a

donaon on behalf of it’s customers back to the school. *Rams cards come in consumer and business opons.

CHARGES

ATM & Instant Issue Card Fees

 Foreign/City of Roseau ATM Fee (Customer Fee for use of non-CSB local ATM): $2.00

 ATM Fee at our Machine (Non-Customer): $3.00

 Debit/ATM Card Replacement: $5.00

Cashier’s Checks

 Customers: $5.00 (Free for New Horizon Members)

 Non-Customers: $10.00

 Certified Checks: $20.00

Coin and Currency

 Check Cashing (Non-Customer up to $1500.00): 1% of check amount ($6.00 minimum fee, $15.00 maximum fee)

o Marvins, Polaris, and other local payroll: No Charge

 Return of Deposited or Cashed Checks: $4.00

 Coin Counting (Non-Customer): 5% if over $20.00 (14 and Under FREE)

 Rolled Coin Purchase (Non-Customer): First 2 Free, $0.10 per roll after

 Canadian Currency: Current Rate

 Other Foreign Currency: $15.00 plus correspondent bank fees

Deposit Bags

 Small Zipper Bag: $4.00

 Night Bag with Lock: $20.00

Medallion Stamp & Signature Guarantee

 Customer: $10.00 per certificate (Free to New Horizon Members)

 Non-Customer: $15.00 per certificate

Money Orders (up to $1000.00): $1.00 per $100 ($2.00 minimum fee, $5.00 maximum for customers)

Notary Public

 Customer: No Charge

 Non-Customer: $5.00

Non-Sufficient Funds (NSF) and Overdrafts (Maximum of $50.00 per day)

 NSF Paid Item Fee (OD of $25.00 and greater) – Per Item Paid: $25.00

 NSF Paid Item Fee (OD of less than $25.00) – Per Item Paid: $10.00

 NSF Return Item Fee (OD of $25.00 and greater) – Per Presentment: $25.00 (a single item can incur multiple fees if presented

multiple times)

 NSF Return Item Fee (OD of less than $25.00) – Per Presentment: $10.00 (a single item can incur multiple fees if presented

multiple times)

Consecutive Day Overdraft Fee (charged every 5

business day after the account is overdrawn until account reaches a

positive balance)

 Consecutive Day OD for overdrawn balance of $25.00 and greater: $25.00

 Consecutive Day OD for overdrawn balance of less than $25.00: $10.00

Printing, Photocopying, & Faxing

 Quick Statement: $5.00

 Photocopies (Each): $1.00 (Free to New Horizon Members)

 Fax Charges: $5.00 Minimum, $1.00 per page (Free local fax for New Horizon Members)

Safe Deposit Boxes

 Rent (due May 1

of each year): Small $24.00 | Medium $34.00 | Large $48.00

 Replacement Key: $20.00

 Drill Safe Deposit Box: $125.00

 Late Charge on Box Rent: $1.00 per month

Stop Payment: $25.00

Wire Transfers

 Customer (Domestic): $20.00

 Customer (International): $50.00 (plus Correspondent Bank fees)

 Non-Customer (Domestic-Up to $10,000 and no more than 2 wires per year): $35.00

 Investigative Fee - Foreign Wires: $55.00

Other Miscellaneous Fees

 Account Research (Per ½ hour): $20.00

 ACH Origination Fee (no charge when ach is for CSB loan payment) Per Item: $0.50

 Affidavit of Loss: $25.00

 Collection Item-Incoming or Outgoing (Plus any correspondence fee): $20.00

 Counter Checks (come in increments of 12): $4.00

 Gift Cards: $5.00 per card

 Levies/Garnishments (Third Party): $30.00

 Online Bill Payments: $1.00 per transaction

 Replacement Statement Binder: $4.00 per binder

 Paper Statement Fee: $2.00 (E-Statements are provided at no cost)

 Telephone Transfer Fee ($200.00 minimum transfer): No Charge for the first (2) telephone transfers within the

current statement cycle | $1.00 fee for each subsequent transfer

Last Updated 2-28-2024