Citizens State Bank: Your Trusted Financial Partner in Waverly, MN

A Century of Commitment to Our Community

For over a century, Citizens State Bank has been an integral part of the Waverly, Minnesota community. As a locally-owned and operated financial institution, we are dedicated to providing our customers with exceptional banking services while supporting the growth and prosperity of our hometown.

Our Comprehensive Banking Solutions

At Citizens State Bank, we offer a wide range of banking products and services tailored to meet the needs of individuals, families, and businesses. Our comprehensive offerings include:

• Personal Banking: Checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts (IRAs), and more.
• Business Banking: Business checking and savings accounts, commercial loans, lines of credit, and merchant services.
• Mortgage Lending: Home loans, refinancing, construction loans, and a variety of mortgage programs for first-time homebuyers, veterans, and rural borrowers.
• Wealth Management: Financial planning, investment management, and estate planning services.
• Agricultural Banking: Loans, lines of credit, and other financial services tailored to the unique needs of farmers and ranchers.

Our Commitment to Customer Service

At Citizens State Bank, we believe that our customers are the heart of our business. We are committed to providing personalized service and building lasting relationships with each and every one of our clients. Our friendly and knowledgeable staff is always available to assist you with your banking needs and provide financial advice.

Supporting Our Community

As a community bank, we are dedicated to supporting the organizations and initiatives that make Waverly a great place to live and work. We proudly sponsor local events, donate to non-profit organizations, and volunteer our time to serve the community.

Our Financial Strength

Citizens State Bank is a financially sound and stable institution. We consistently maintain high capital ratios and a strong track record of profitability. Our commitment to prudent financial management ensures that your deposits are safe and secure.

Testimonials

"I have been a customer of Citizens State Bank for over 20 years and have always been impressed with their exceptional service and friendly staff. They have helped me achieve my financial goals and I highly recommend them to anyone looking for a reliable bank." - Susan B., Waverly resident

"As a business owner, I depend on Citizens State Bank for all my banking needs. They understand my business and have provided me with the financing and support I need to succeed." - John S., local business owner

Join the Citizens State Bank Family

Whether you are a long-time resident or new to Waverly, Minnesota, we invite you to experience the difference that banking with Citizens State Bank can make. We are here to help you achieve your financial goals and support the growth and prosperity of our community.

Contact Us

Citizens State Bank
123 Main Street
Waverly, MN 55390
(952) 442-5555
www.citizensstatebankwaverly.com

Additional Resources

• FDIC
• National Credit Union Administration (NCUA)
• Independent Community Bankers of America (ICBA)

Table of Contents

• Our Comprehensive Banking Solutions
• Our Commitment to Customer Service
• Supporting Our Community
• Our Financial Strength
• Testimonials
• Join the Citizens State Bank Family
• Contact Us
• Additional Resources

Effective Strategies for Building a Positive Banking Relationship

• Communicate Regularly: Keep your bank informed about your financial situation and goals.
• Be Transparent: Share your income, expenses, and debt obligations with your banker.
• Establish Trust: Build a relationship based on honesty, integrity, and mutual respect.
• Seek Financial Advice: Consult your banker for guidance on saving, investing, and managing your debt.
• Use Online Banking: Access your accounts and manage your finances conveniently and securely from anywhere.

Common Mistakes to Avoid When Banking

• Overdrafting: Keep track of your account balance and avoid spending more than you have.
• Unnecessary Fees: Read your bank statements carefully and avoid unnecessary fees by using low-cost or no-fee financial products.
• Ignoring Your Credit Score: Monitor your credit regularly and take steps to improve your score if necessary.
• Carrying Too Much Debt: Avoid excessive debt by budgeting carefully and living within your means.
• Falling for Scams: Be aware of common banking scams and never share your personal or financial information with anyone you don't trust.

Step-by-Step Approach to Building a Strong Financial Foundation

1. Create a Budget: Track your income and expenses to identify areas where you can save.
2. Save Regularly: Set aside a portion of your income each month for savings and emergency funds.
3. Invest Wisely: Explore different investment options based on your risk tolerance and financial goals.
4. Manage Debt Responsibly: Pay off high-interest debt first and work towards reducing your overall debt.
5. Build an Emergency Fund: Save enough money to cover unexpected expenses and emergencies.
6. Plan for Retirement: Start saving and investing for retirement early on.