Welcome to the Citizens State Bank of Clara City, Minnesota. Also serving Maynard and Granite Falls, Minnesota. We want to be your 'Bank of a Lifetime.'








Citizens State Bank of Clara City also offers these other products and services to our personal banking customers:

Visa Cards
Debit Cards
Ready Reserve
Check Orders

Visa Cards
When you carry a Citizens State Bank credit card in your billfold, you can have the security of knowing who to call in case of a question or problem. It is a hometown credit card with hometown answers and help.

  • Visa Classic
    • Annual Percentage Rate of 15% effective as of 04/01/2006
    • No annual fee
    • Scorecard bonus points program for travel and gifts
    • Travel accident insurance *
    • Make your payments right at Citizens State Bank

  • Visa Gold
    • Annual Percentage Rate of 15% effective as of 04/01/2006
    • $25.00 annual fee
    • Scorecard bonus points program for travel and gifts
    • Travel accident insurance *
    • Make your payments right at Citizens State Bank

* Travel Accident Insurance is NOT A DEPOSIT, NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK, and MAY GO DOWN IN VALUE.

Additional fees may apply:
Late fee of $15.00
Over the limit fee of $15.00
Balance transfer fee of $20.00
Card replacement fee of $20.00

Check your Citizens State Bank VISA activity and balance by logging into www.mycardstatement.com.

For more information or to apply, please contact us.

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Debit Cards
Forgot your checkbook? Make purchases with funds from your checking account without writing a check. Use ShazamChek card to make routine purchases. Plus, ShazamChek card is accepted at over 7 million merchants worldwide, wherever you see the Visa symbol. For further details or to apply, please contact us.

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Ready Reserve
Ready Reserve is another name for overdraft protection. Citizens automatically deposits money into your account whenever your balance falls below zero. Your line of credit is determined by your income and ability to repay. For further information or to apply, please contact our Loan Department.

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Check Orders
To order checks you can either contact our Customer Service Department and we will assist you with your order, or you can go online to https://reorder.harland.net.

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