Additional Terms.
The following additional terms apply to this account and also see Limits and Fees Disclosure:

• Master Money Debit Card (fees may be incurred at a foreign bank’s ATM, $2.00 monthly fee per card on account).
• Free ATM services at Citizens State Bank Locations
• Free Internet Banking
• Bill Pay (3 month FREE trial period)***

***Bill Pay allows up to 10 payments each month for only $5.95 per month. Payments in excess of 10 are charged $0.45 each.

• Free 24 hour telephone banking
• Monthly Maintenance Fees:
• $8.00 if the daily collected balance falls below $300.00 any day of the statement cycle.
• $5.50 if the daily collected balance falls below $500.00
• During the statement cycle the first 50 debits posted to the account will be free, any additional debit transactions will be assessed a $0.20 per item fee.
• You will receive a bank statement with imaging of cancelled checks.
• We offer a $600.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.
• Occasional Overdraft Privilege Service (OOPS!) is a purely discretionary courtesy service and we are not obligated to pay any item. Overdrafts may be created by check, in person (teller) withdrawal or electronic means. The overdrawn balance must be paid within 35 days or the overdraft privilege will be terminated. Please ask for an overdraft policy for more information.
• We will charge your account a $2.00 per business day “daily overdraft fee” after the 7th consecutive business day your account is overdrawn.
• An Overdraft fee of $35.00 will be assessed for any item being paid with your overdraft limit.
• An NSF fee of $35.00 will be assess for any item being paid or returned.
• Citizens State Bank policy is to pay items from lowest – highest dollar amount.
• If you close your account within 90 days a fee of $50.00 will apply.

Additional Terms.
The following additional terms apply to this account and also see Limits and Fees Disclosure:

• Master Money Debit Card (fees may be incurred at a foreign bank’s ATM, $2.00 monthly fee per card on account).
• Free ATM services at Citizens State Bank Locations
• Free Internet Banking
• Bill Pay (3 month FREE trial period)***

***Bill pay allows up to 10 payments each month for only $5.95 per month. Payments in excess of 10 are charged $0.45 each.

• Free 24 hour telephone banking
• AD&D Insurance
• Identity Theft 911
• Travel Assistance
• Grocery Coupons
• Travel Savings and Vacation Packages
• Online Shopping Discounts
• You will receive a bank statement only, (no cancelled checks and no imaging).
• Free 2 copies of cancelled checks per month. A fee of $2.00 for additional copies.
• We offer a $600.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.
• Occasional Overdraft Privilege Service (OOPS!) is a purely discretionary courtesy service and we are not obligated to pay any item. Overdrafts may be created by check, in person (teller) withdrawal or electronic means. The overdrawn balance must be paid within 35 days or the overdraft privilege will be terminated. Please ask for an overdraft policy for more information.
• We will charge your account a $2.00 per business day “daily overdraft fee” after the 7th consecutive business day your account is overdrawn.
• An Overdraft fee of $35.00 will be assessed for any item being paid with your overdraft limit.
• An NSF fee of $35.00 will be assessed for any item being paid or returned.
• Citizens State Bank policy is to pay items from lowest – highest dollar amount.
• If you close your account within 90 days a fee of $50.00 will apply.
• If your account is at zero balance for 30 consecutive days it will be considered closed.
• Monthly Maintenance Fee of $6.00 will apply.

Additional Terms.
The following additional terms apply to this account and also see Limits and Fees Disclosure:

• Master Money Debit Card (fees may be incurred at a foreign bank’s ATM, $2.00 monthly fee per card on account).
• Free ATM services at Citizens State Bank Locations
• Free Internet Banking
• Bill Pay (3 month FREE trial period)***

***Bill Pay allows up to 10 payments each month for only $5.95 per month. Payments in excess of 10 are charged $0.45 each.

• Free 24 hour telephone banking
• AD&D Insurance
• Identity Theft 911
• Travel Assistance Services
• You will receive a bank statement only, (no cancelled checks and no imaging).
• Free 2 copies of cancelled checks per month. A fee of $2.00 for additional copies.
• We offer a $600.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.
• Occasional Overdraft Privilege Service (OOPS!) is a purely discretionary courtesy service and we are not obligated to pay any item. Overdrafts may be created by check, in person (teller) withdrawal or electronic means. The overdrawn balance must be paid within 35 days or the overdraft privilege will be terminated. Please ask for an overdraft policy for more information.
• We will charge your account a $2.00 per business day “daily overdraft fee” after the 7th consecutive business day your account is overdrawn.
• An Overdraft fee of $35.00 will be assessed for any item being paid with your overdraft limit.
• An NSF fee of $35.00 will be assessed for any item being paid or returned.
• Citizens State Bank policy is to pay items from lowest – highest dollar amount.
• If you close your account within 90 days a fee of $50.00 will apply.
• If your account is at zero balance for 30 consecutive days it will be considered closed.
• Monthly Maintenance Fee of $4.00 will apply

Additional Terms.
The following additional terms apply to this account and also see Limits and Fees Disclosure:

• Master Money Debit Card (fees may be incurred at a foreign bank’s ATM, $2.00 monthly fee per card on account).
• Free ATM services at Citizens State Bank Locations
• Free Internet Banking
• Bill Pay (3 month FREE trial period)***

***Bill Pay allows up to 10 payments each month for only $5.95 per month. Payments in excess of 10 are charged $0.45 each.

• Free 24 hour telephone banking
• During the statement cycle the first 50 debits posted to the account will be free, any additional debit transactions will be assessed a $0.20 per item fee.
• Interest earned on daily collected balance of $1,000.00 or more.
• You will receive a bank statement with imaging of cancelled checks.
• We offer a $600.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.
• Occasional Overdraft Privilege Service (OOPS!) is a purely discretionary courtesy service and we are not obligated to pay any item. Overdrafts may be created by check, in person (teller) withdrawal or electronic means. The overdrawn balance must be paid within 35 days or the overdraft privilege will be terminated. Please ask for an overdraft policy for more information.
• We will charge your account a $2.00 per business day “daily overdraft fee” after the 7th consecutive business day your account is overdrawn.
• An Overdraft fee of $35.00 will be assessed for any item being paid with your overdraft limit.
• An NSF fee of $35.00 will be assessed for any item being paid or returned.
• Citizens State Bank policy is to pay items from lowest – highest dollar amount.
• If you close your account within 90 days a fee of $50.00 will apply.

Additional Terms.
The following additional terms apply to this account and also see Limits and Fees Disclosure:

• Master Money Debit Card (fees may be incurred at a foreign bank’s ATM, $2.00 monthly fee per card on account).
• Free ATM services at Citizens State Bank Locations
• Free Internet Banking
• Bill Pay (3 month FREE trial period)***

***Bill Pay allows up to 10 payments each month for only $5.95 per month. Payments in excess of 10 are charged $0.45 each.

• Free 24 hour telephone banking
• Monthly Maintenance Fees:
• A fee of $10.00 per item will be assessed in excess of 6 transactions
• Interest earned on daily collected balance of $2,000.00 or more.
• Transactions Limitations
• Covered Transfers and Withdrawals:
• A depositor may make no more than six covered withdrawals per statement cycle.
• Transfers or withdrawals made to another account of the same depositor at the same bank and to a third party, if made by preauthorized transfer, automatic transfer, by telephone, including fax, or with the bank’s home or internet banking service.
• Transfers to a third party, if made by check, draft, debit card, or similar order made by the depositor and payable to third parties.
• Non-Covered Transfers and withdrawals:
• There is no limit to the number of non-covered transfers or withdrawals.
• Transfers for the purpose of repaying loans and associated expenses at the bank.
• Transfers from one account of the depositor to another account of the same depositor and withdrawals from the account, if made by mail, ATM, or in person.
• Withdrawals made by telephone via check mailed to the depositor and transfer into the account.
• If you close your account within 90 days a fee of $50.00 will apply.
• You will receive a bank statement with imaging of cancelled checks.
• An NSF fee of $35.00 will be asses for any item being paid or returned.
• Citizens State Bank policy is to pay items from lowest – highest dollar amount.