Customer service was wonderful and I had no troubles activating my card and getting help with using my card at the ATM! I LOVE CITIZEN'S STATE BANK especially the people and the new location! read more

So, they were the lender that gave me the best rate on my motorcycle loan through the dealer, so I financed the bike through them. That transaction was fine. I received a call from Sarah Burton who thanked me for my business and explained other services offered. I was in the market for a driveway replacement so I applied for a 2nd mortgage. Danielle took over, and that is where the problems began. I was told the process would take 3-4 weeks, but from the onset, disclosures had the wrong info. Danielle said those were based on a phone conversation even though emails exchanged never discussed that amount. I was approved and we waited on the appraiser. Now, I've been in the mortgage business, and I've borrowed before, but this bank made me signe a disclosure stating that the appraiser and the title agent were both on the bank's board of directors. I should have bolted after I did not receive a straight answer on that one. We waited, and I was unable to contract the work obviously contingent upon the final closing. We began the process on May 9th. I went on vacation at the end of June and still no answer. Upon returning in July, I was called by another processor because Danielle was on vacation. I was told we were ready to close. I asked about the appraisal (which I paid $468 for with flood certification up front after being told only $150 closing fee-another lie). He put me on hold and came back saying the appraiser (who never set foot in our home) called it at 107K. 8 years ago, my home appraised for 125K and since has had a new kitchen, baths, windows, hooked into city sewers, and hardwoods refinished. That appraisal put the loan I was planning out of reach. I emailed Danielle, her manager, and the processor demanding my money back for the appraisal, but received no response. I called Danielle later that week and she was unavailable, but she emailed me that my check would be mailed but she had no idea when. I will tell you that they will tell you how customer service is their strong suit, and had they done anything they promised, I would agree. The bottom line is that the appraiser is a member of the board, and he and whomever else decided to lowball my appraisal in order to sabotage my loan. Bottom line, I got strung along for 60 days and they would not even call me after they screwed me over. I have applied elsewhere, have been approved, and should close in the next 2 weeks on that loan. I wish I had dumped them when my gut first told me to. I plan to refinance my bike loan as well. I want absolutely nothing to do with this institution. And Danielle had to drop off some disclosures she had messed up to my house, and she complimented us on how nice our house was, but came in reaking of cigarette smoke. Pretty unprofessional in my opinion. This review is for the Fishers location, but I am certain that headquarters was aware of the issues as they were blamed for the delays by Danielle. read more