Citizens State Bank offers a wide array of financial products and services to the community, including savings accounts, credit cards, investment services, loans, business services, personal finance and commercial banking. The bank offers several loan programs, such as agricultural, business, real estate, consumer and student loans. It offers various banking products that include ATMs, debit cards, bill payment, online and telephone banking, money orders, wire transfers, overdraft services, traveler s checks and direct deposit services. The bank s other services include automatic loan payments, certificates of deposit, annuities, treasury notes and bonds, savings bonds, life insurance, burial trusts, trust accounts, personal accountants, drive-up facilities and night depository services. Citizens State Bank is located in Pocahontas, Iowa.