A street corner in a small town

School District & Municipality Accounts

On this page:
  • Find the right financial partner for your municipality or school district
  • Compare checking and savings accounts
  • Hear what local clerks say about working with us


Banking built for communities.


As a community bank, we value the partnerships we've formed with several local towns, villages, cities, and school districts. The truth is, our corporate values and mission naturally align with what our great municipalities and schools also hope to achieve: measured growth, deep relationships, and strong financial futures. Let us show you how we can support you and your residents.

Benefits of working with Citizens Bank

  • Top-tier deposit rates set over the State of Wisconsin Local Government Investment Pool (LGIP) rate
  • The ability to secure deposits above FDIC and state coverage limits
  • A full suite of Treasury Management products including ACH transactions, wire transfers, Positive Pay fraud protection, remote deposit capture, and card processing services
  • Strong capital and liquidity positions mean we can meet the financing needs of most municipalities and school districts
  • A team of local bankers (on both the deposit and lending sides) with many years of municipal banking experience
  • Partnering with an independent community bank that invests in the community, local schools, and local business
 
When you're ready to open an account, request an appointment or contact a Business Relationship Specialist.

Municipal Advantage Checking Account

  • Minimum Deposit to Open: $100
  • Minimum Balance: None
  • Maintenance Fee: None
  • Earns Interest: No

Municipal Advantage Plus Checking Account

  • Minimum Deposit to Open: $1,000
  • Minimum Balance: $1,000
  • Maintenance Fee: $10 only if minimum balance not maintained
  • Earns Interest: Yes, with a premium rate based on the LGIP rate for balances of $500,000 and over

Classic Municipal Money Market Account

  • Minimum Deposit to Open: $1,000
  • Minimum Balance: $1,000
  • Maintenance Fee: $10 only if minimum balance not maintained
  • Earns Interest: Five rate tiers, with a premium rate based on the LGIP rate for balances of $500,000 and over

Municipal Advantage Savings Account

  • Minimum Deposit to Open: $100
  • Minimum Balance: $100
  • Maintenance Fee: $1 only if minimum balance not maintained
  • Earns Interest: Yes




























What others say about working with us

"High-quality, personalized service sets Citizens Bank apart from the rest. They truly listen and understand municipal banking needs from the loan process to tax payment collection. The branch locations are convenient and everyone you encounter is friendly and knowledgeable. We value our relationship with Citizens Bank."
- Meri Majeskie, Clerk, Town of Genesee

"Friendly, knowledgeable staff that work well with municipal government. When Citizens Bank took on tax collection, many residents were happy because they bank at Citizens and it is convenient for them. Having multiple locations with different hours of operations for some of their branches also is convenient for the Town of Mukwonago and their residents."
- Kathy Karalewitz, Administrator/Clerk-Treasurer, Town of Mukwonago