Citizens State Bank was organized to serve the working people of the Sequatchie Valley at a time when out-of-town bank ownership was just beginning to be common. The number of banks with no direct connection to the area has multiplied, and today Citizens State Bank is the only locally owned, locally managed bank in the community. The organizers felt the valley needed a bank completely dependent on the economic health of this valley, where money deposited at home could be loaned at home, putting the average wage earner and small business on the same basis as a large corporation. Today as we progress into a new century, CSB is still dedicated to this mandate and is proud to be a strong, local asset to the citizens of the Sequatchie Valley area, truly A Real Community Bank.. Citizens State Bank strives to provide quality products and services consistent with the best available in the banking industry. Most of the following services are available only for our customers and may not be available at all locations. Account Research Automatic Transfers Bill Pay Cashier's Checks Convenient ATMs Debit Cards Direct Deposit FDIC Insurance Internet Banking Night Depository Notary Service Photocopies Printouts - Account Activity Safe Deposit Boxes Savings Bonds Special Statement Cutoff Stop Payments Telephone Banking Wire Transfers