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Education & Resource Center

To expedite the account opening process, Citizens Independent Bank provides many of its applications online. Many of our online applications can be submitted to us directly. You can also edit and print any PDF application for your convenience.

To edit, all PDF applications must be opened in Adobe Acrobat Reader. Download it for free







*If you are applying for access to online banking, you will not be required to visit a branch to complete the process. You will receive your ID and Password via postal mail within 2 to 3 business days.





All online applicants must be 13 years of age or older. Please note that for most accounts and services, submission of an online application will not replace the necessity for you to personally visit one of our locations to complete the process. This will likely include:

  • Obtaining any additional information needed
  • Obtaining your signature on necessary account agreements/documents
  • Verification of identification
  • Receipt of appropriate regulatory disclosures, etc. You will receive a printed copy of all regulatory disclosure information from Citizens Independent Bank upon approval and final signing of the account. Disclosures may include but are not limited to:
    • Electronic Funds Transfer Agreement & Disclosure
    • Truth in Savings Disclosure Statement
    • Privacy Policy
    • Deposit Agreement
    • Funds Availability Policy

All applications are subject to verification and approval. Please note, we do not solicit accounts outside of Minnesota.

Customer Identification Requirements

In accordance with the USA PATRIOT Act, Citizens Independent Bank is required to obtain a copy of the documents used in identifying our new account customers and in identifying signatory individuals added to an existing or new account. In some cases, identification will be requested for those individuals banking with the Bank prior to the effective date of the customer identification requirements because original documentation was not obtained with the opening of the account, or the Bank is unable to form a reasonable belief that it knows the true identity of the existing customer. In all cases, protection of our customer’s identity and confidentiality is the Bank’s pledge to you. 

About Children's Online Privacy

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Citizens Independent Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website.