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Latest News and Events
10 Simple Things You Can Do to Fight Fraud and Identity Theft. Click HERE for the article.
Mobile Banking App Users:

For iPhone users, an update is available in the app store. In the update it includes resolutions to the recent issues involving bill pay and transfers. It also includes an updated look and new Co-Branded icons.

For our Android App users, the update IS NOW available in your phone updates.  The update includes a new look to the screens and our new Co-Branded icons.
Be Sure to search for The Citizens State Bank when downloading our mobile app, as the Home State Bank & Trust app is no longer active.
If you have any questions, please feel free to call us!

 Finance works:
Due to the conversion and to avoid any issues with the current Finance Works data, we will not have any data from January 2013 – March 2013. Transactions may still be entered manually for this time period. We apologize for any inconvenience this may cause.


 Real Estate Rates As Low As:

Term Rate APR Payment †
15 Year 3.375% 3.460% $1,063.14
20 Year 3.875% 3.928% $899.12
30 Year 4.375% 4.415% $748.93

The above APR is calculated on a loan amount of $150,000 with a Loan to Value (LTV) of 80% and a credit score of 720 or better. Loans with a LTV greater than 80% are available. 
Email or call 620-241-7361 to speak with a loan officer regarding your situation or click here to prequalify online.

† Payments shown do not include taxes or insurance, actual payments may be greater.
If you would like to be emailed any time the Real Estate rates drop at least .25% click here




     By operation of Federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account no longer will receive unlimited deposit insurance coverage by the Federal Deposit Corporation (FDIC).  Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.  For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit


Click above for more information



Have Online Banking? Need to change your phone or email for security?
Once logged in to your account, go to the myprofile section in the top right corner of your browser.  You can add phone numbers (up to two), enable SMS messaging and add email for your enhanced security.  Call the North Bank at 620-241-7404 with any questions.


New Service to Change Your ATM or Debit Card PIN Number


You may now change your Debit or ATM PIN from the convenience of home.  You must have your card number and PIN number available, then dial 1-888-227-3096 and follow the automated system to change your PIN to the four digits of your choice.
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