Terms of Use

Effective February 23, 2010 

We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein.

This website is offered by Citizens State Bank.

Website Content and Links to Other Websites

Citizens State Bank maintains this site to provide you with information about our products and services. We also provide links to our related companies, various merchants, and other financial service providers that may be of interest to you. The links to other merchants and financial service providers in our site are provided for your convenience and may assist you in locating other useful information on the Internet. These external, third party sites are not under the control of Citizens State Bank.

  • Citizens State Bank does not endorse, approve, certify, or control external sites. Nor does Citizens State Bank guarantee the accuracy, completeness, or timeliness of the information contained on them. The products and services offered by these external third parties are not products of Citizens State Bank and are not insured by any governmental agency such as the FDIC.
  • Securities (including mutual funds and annuities) offered through this site or external third parties:
    1. Are not financial institution deposits.
    2. Are not FDIC insured.
    3. Are not obligations of or guaranteed by Citizens State Bank.
  • Securities involve investment risks, including the possible loss of some or the entire principal amount invested.
  • Insurance and annuity products offered through this site or external third parties:
    1. Are not deposits, obligations of, or guaranteed by Citizens State Bank or any of its affiliates.
    2. Insurance products and annuities are not insured by the FDIC or any other agency of the United States, or Citizens State Bank.
    3. There may be investment risks associated with some insurance products, including the possible loss of value.
    4. The purchase of insurance products is not a condition to any loan, product or service offered by Citizens State Bank, its affiliates, or nonaffiliated third party.
  • Insurance products may not be available in all states.


Any communication or material you transmit to us via the site or electronic mail will be considered confidential and may be used only by Citizens State Bank for the purposes described in our privacy statement. All information submitted to Citizens State Bank’s site shall be considered and remain the property of Citizens State Bank, this information will only be used internally or as allowed by law.

Merchants and other third parties on the Website may collect personal information when you visit their websites or when you purchase their products. You should review the privacy policies of these third parties prior to use of these websites and purchase of their products and services.

Use of Information and Materials

Any and all information, materials, product offerings, services, terms, and conditions are subject to change without notice.

Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information. You may contact Citizens State Bank to verify the accuracy of information.

Not all products and services are available in all geographic areas. Citizens State Bank reserves the right to determine your eligibility for any product or service.

Trademark Notices

Citizens State Bank’s website and logo are property of Citizens State Bank. Unauthorized reproduction in whole or part is prohibited.

Copyright Notices

Copyright in the pages, screens, text, sound recordings, and images appearing at this site is owned by Citizens State Bank unless otherwise indicated.

Limitation of Liability

Because of the possibility of human, mechanical, and computer related errors as well as other factors, Citizens State Bank is not responsible for any errors in or omissions from the information contained in or accessed through this website. All such information is provided "AS IS" to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose.

Citizens State Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their computers and diskettes using a reliable virus detection product to detect and remove any viruses. Citizens State Bank will not be liable for any delay, difficulty in use, inaccuracy of information, malicious code, or other defect in this site, or for the incompatibility between this website and files in your browser or other site accessing program. Nor will Citizens State Bank be liable for any other problems you experience due to causes beyond our control.

Hyperlinks to other Internet resources are at your own risk. The content, accuracy, opinions expressed, and other links provided by these resources are not investigated, monitored, or endorsed by Citizens State Bank.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Citizens State Bank. Citizens State Bank will under no circumstances be liable to you and/or any third party for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if Citizens State Bank has been advised of the possibility of such damages.

Governing Law

This agreement shall be governed by and construed in accordance with federal statutes and the laws of the State of Kansas.