Dear Valued Customer,

In an effort to help prevent the spread of COVID-19 (Coronavirus), the bank is taking additional preventative measures to protect our employees, customers, and communities.

Effective March 18, 2020, the following changes will occur:

• • All Citizens State Bank lobbies will be closed to the public.
  • We will be accepting deposits and conducting transactions through the Drive-Up and/or the Night Drop boxes. The night drop boxes will be checked frequently during regular business hours.
  • If your banking needs are better served through an in-person meeting, please contact the bank to schedule an appointment.
  • Businesses in need of cash and/or change, please call the bank to place your cash order and to schedule a pick-up time.

We strongly encourage the use of online banking and utilizing the mobile app as much as possible. These services include the following:

• • View accounts and transaction
  • Check balances
  • Transfer between accounts
  • Make mobile deposits
  • Pay your bills
  • View online statements and check images

We are available to answer your questions Monday through Friday from 8:00 am to 5:00 pm. You can call or text us in Finley — 701-524-1921, or Cooperstown — 701-797-2921, or Northwood– 701-587-5921.

We thank you for your ongoing trust and support during this unprecedented time. We will keep you informed as this situation changes and evolves.

Dear Valued Customer,

In this unsettling time, we are taking precautions to ensure the safety of our employees, customers, vendors, and communities. We will monitor and prepare for continued outbreak of COVID-19 (Coronavirus) in North Dakota. We want to share with you the steps we are taking now as we continue to learn about the current state of COVID-19.

Although our lobbies are currently open and we are ready to server you, we strongly encourage the use of electronic banking.  You can access your accounts online through internet banking or through mobile banking. From here, you can make payments, transfer funds, deposit checks, view transactions, check balances, or pay bills. If you haven’t enrolled in online banking, please use the links below to enroll or  download the apps.   We also offer electronic business cash management tools for our business customers. And, our night deposit box is an effective tool to use after banking hours.

We encourage all our employees, customers, and community members to practice the recommended preventive measures:

• • Wash your hands often with soap and water for at least 20 seconds.
  • Avoid touching your eyes, nose, and mouth with unwashed hands.
  • Stay at home when you are sick.
  • Cover your cough or sneeze with a tissue and then dispose of properly.
  • Clean your work area and homes on a regular basis.
  • Avoid close contact with people who are sick.
  • Practice other good health habits: get plenty of sleep, be physically active, manage your stress, drink plenty of fluids, and eat nutritious food.

We will continue to provide you with updates or changes to our response plans as this situation evolves. If we decide to close our lobbies, we will communicate these potential changes through our website. As always, if you have any questions or concerns please contact any of our locations.

Call or text us:

Finley: 701-524-1921       Cooperstown: 701-797-2921        Northwood: 701-587-5921

Sincerely,

Chad Aberle

President/CEO

Online Banking

Business Banking