Citizens State Bank is a full-service bank that provides a wide range of banking services to individuals, families and businesses. It provides credit cards; installment loans for automobiles, home improvement and personal purposes; lines of credit; and home equity loans. It also provides wire transfers, credit and debit cards, money orders, traveler s checks, lockers, Internet banking and several kinds of checking and savings accounts. The bank offers a variety of investment products, such as fixed and variable annuities, mutual funds, insurance, stocks, savings bonds, tax-advantaged investments, retirement plans, money market funds and unit investment trusts. Its other services include financial advisory, education funding and wealth management services. Citizens State Bank is headquartered in Lena, Ill.