Personal Banking

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Personal Checking

Find the checking account that is the best fit for you. Stop by to open your account!

Checking Account: Perfect for people who want a basic checking account.

  • Low Maintenance Account.
  • No minimum balance
  • No monthly Service Charges
  • Unlimited Check writing 

Image Plus Checking Account: For people who keep a somewhat higher balance. Interest bearing for an extra benefit.

  • $500.00 minimum balance
  • Unlimited Check Writing if balance stays above minimum balance
  • Service Charges: $15.00 + $0.15 per debit transaction if balance falls below the minimum balance 

A $10.00 dormant account fee is charged annually if there is no activity in the account for 12 months and the balance is $100.00 or less.

Personal Savings

Whatever you may be saving for, we have a variety of good options to get you there. Stop by to open your account!

Savings Account

  • No minimum balance
  • Savings Passbook required for all withdrawals
  • No monthly Service Charges

Money Market Account

  • $1000 minimum balance
  • Service Charge: $15.00 + $0.15 per withdrawal if balance falls below the minimum balance


  • A way to save for a child’s qualified education expenses
  • Funds can be used for elementary, secondary, college or technical expenses


  • Anyone enrolled in a High Deductible Health Plan may open a Health Savings Account
  • Earns interest
  • Balances carry over every year

Certificates of Deposit

Our Certificates are great savings plans, whether its short- or long-term. Whatever your goal may be, we’re here to help!

Personal Loans

At Commercial State Bank, we offer a full range of loan services. Contact our Loan Department for more information regarding our services!

  • Consumer Loans
  • Vehicle Loans
  • Real Estate Mortgages
  • Agriculture Loans

Debit Cards and ATM Cards

Banking Hours

Main Lobby Hours:
9:00 - 3:00 Mon-Fri | 9:00 - 12:00 Sat

Drive In/Walk Up
8:30 - 5:30 Mon-Fri | 8:30 - 12:00 Sat

Our Location

204 S. Main
P.O. Box 220
Wagner, SD 57380-0220

View ATM Locations

Stay Connected

Phone: (605)384-3646
Toll Free: (800)669-4060
Fax: (605)384-3403

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