NOW Personal Checking Account

Citizens State Bank is a community bank that takes pride in serving the small towns of Colorado. We believe in providing personalized banking services that are tailored to meet the unique needs of our customers. Our mission is to be the most trusted financial partner in the communities we serve. We offer a range of banking products and services to help you manage your finances and achieve your financial goals. Our NOW Account is one such offering that we are proud to present.

NOW Account is an interest-bearing account that is designed to help you earn more on your deposits while also providing you with the convenience of a checking account. Some of the key features of NOW Account include:

• • Competitive Interest Rate: NOW Account offers a competitive interest rate that is compounded monthly and credited to your account each month. This means you earn more on your deposits while also having the flexibility to access your money when you need it.
  • Large Number of Transactions: NOW Account comes with a large number of transactions, allowing you to make as many withdrawals or deposits as you need without any additional charges.
  • Low Minimum Balance Requirement: You can start earning interest with a minimum balance of $1,000.00. If your account falls below this minimum balance, a small monthly fee of $10.00 may apply.
  • No Monthly Service Charge for Balances of $1,000 and Over: If your balance is $1,000 or more, you won't have to pay any monthly service charges.
  • Ready Reserve Line of Credit: NOW Account also offers a Ready Reserve Line of Credit that can help you cover unexpected expenses or emergencies.

If you're looking to earn more on your deposits while also having the convenience of a checking account, NOW Account is the right choice for you. You can start the application process online or visit one of our local branches in Ouray, Ridgway, Silverton, Naturita and Telluride. Our friendly and knowledgeable staff will be happy to assist you with the account opening process and answer any questions you may have.

Download the new Mobile App & get access to these great features!

• Mobile Check Deposit, Transfers, and Bill Pay
• Access to Account Balances & Transactions

Download the app for free from iTunes or Google Play.

We will respond during regular business hours, M-F - 8:30AM to 5:00PM.

Phone: 970.325.4478

Rate Information:
This Account is an interest bearing account.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information:
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:
You must deposit $100.00 to open this account.

Account Fees:
$1,000 and over
No monthly service charge

Below $1,000
$10.00 per month.