Personal Checking
- Simply Basic Plus Checking
- Simply Basic Checking
- NOW Account Checking
- Citizens Advantage Checking
- Money Market Deposit Account
- e-Vantage Checking
- Student Checking
- Citizens Square One Checking
- Citizens Checking Club
Simply Basic Plus Checking
- Minimum balance of $100.00 required to open
- No monthly service charge if balance remains $750.00 or more
- Under $750.00 the service charge fee will be $5.00
- A credit of $2.00 will be deducted from the service charge fee of $5.00 every month if:
- You receive E-Statements and have one ACH to or from this account; or
- You have 10 debit card transactions and one ACH to or from this account.
- FREE ATM/ Debit Card
- Unlimited Check Writing
- Unlimited Deposits
- FREE Internet Banking
- FREE Phone Teller
- FREE Mobile Banking
- FREE Notary Services
- FREE Bill Pay (If requirements are met)
- 400 FREE Checks (one time)
- Free Money Orders
- 25% Discount Safe Deposit Boxes
- Overdraft Protection Available
Simply Basic Checking
- Minimum balance of $100.00 required to open
- A monthly service charge fee of $2.00.
- A credit of $2.00 will be deducted from the service charge fee of $2.00 every month if:
- You receive E-Statements and have one ACH to or from this account; or
- You have 10 debit card transactions and one ACH to or from this account.
- A credit of $2.00 will be deducted from the service charge fee of $2.00 every month if:
- Unlimited Check Writing
- Unlimited Deposits
- FREE ATM or Debit Card
- FREE Internet Banking
- FREE Mobile Banking
- FREE Phone Teller
- FREE Direct Deposit
- FREE Bill Pay (If requirements are met)
- Overdraft Protection Available
NOW Account Checking
- Minimum balance of $1000.00 required to open
- No monthly service charge if balance remains $1000.00 or more
- A credit of $2.00 will be deducted from the service charge fee of $8.00 every month if:
- You receive E-Statements and have one ACH to or from this account; or
- You have 10 debit card transactions and one ACH to or from this account.
- A credit of $2.00 will be deducted from the service charge fee of $8.00 every month if:
- Service charge is determined by the minimum daily balance:
- Unlimited Check Writing
- Unlimited Deposits
- FREE ATM/ Debit Card
- FREE Internet Banking
- FREE Mobile Banking
- FREE Phone Teller
- FREE Bill Pay (If requirements are met)
- FREE Direct Deposit
- Overdraft Protection Available
Citizens Advantage Checking
This account offers our customers 55 and older many attractive benefits:
- Minimum balance of $100.00 required to open
- No monthly service charge if balance remains $500.00 or more
- Under $500.00 the service charge fee will be $8.00
- A credit of $2.00 will be deducted from the service charge fee of $8.00 every month if:
- You receive E-Statements and have one ACH to or from this account; or
- You have 10 debit card transactions and one ACH to or from this account.
- $100,000.00 Common Carrier Insurance
- Card Patrol-Monitors your personal information and notifies you of suspicious behavior
- Payment Card Protection-Register all credit, debit, ATM and check cards at one time and in one place. If your cards are lost or stolen, call one convenient toll-free number 24 hours a day to cancel cards. If you are more than 50 miles from home, you also have access to Emergency Cash and Emergency Airline Tickets.
- FREE Personalized Checks
- FREE Cashier's Checks
- FREE ATM/Debit Card
- FREE 24 Hour Phone Teller
- FREE Mobile Banking
- FREE Internet Banking
- FREE e-Alerts
- FREE Notary Service
- Free Bill Pay (if requirements are met)
- 25% Safe Deposit Box Discount
- Unlimited Check Writing
- $300 Overdraft Protection
- Travel & Entertainment Discounts
- Everyday Rebate Rewards
Money Market Deposit Account
- Minimum balance of $1,000.00 required to open.
- An unlimited number of deposits can be made, and your money starts earning interest immediately.
- Six (6) withdrawals are allowed each statement cycle.
- There is a $20.00 charge if withdrawals exceed six (6) per statement cycle.
- If your balance falls below $1,000.00 the monthly service charge fee is $5.00.
e-Vantage Checking
- Minimum balance of $100.00 required to open.
- A monthly service charge fee of $2.00
- A credit of $2.00 will be deducted from the service charge fee of $2.00 every month if:
- You receive E-Statements and have one ACH to or from this account; or
- You have 10 debit card transactions and one ACH to or from this account.
- A credit of $2.00 will be deducted from the service charge fee of $2.00 every month if:
Earn a higher rate of interest on balances up to $25,000*
- FREE Debit/ATM card
- FREE Internet Banking
- FREE Phone Teller
- FREE Bill Pay (if requirements are met)
- Unlimited check writing
- Unlimited Deposits
- ATM fees refunded up to $10.00
- "Everywhere Cash Savings" and Card Patrol
4 easy steps to earn the e-Vantage interest rates*
- Simply make 10 or more debit card purchases each month
- Have a direct deposit or electronic debit each month.
- Login to The Citizens Bank Online Banking at least once each month
- Receive your monthly bank statement electronically.
*e-Vantage Checking requires $100 opening balance, no minimum balance required. If you meet each requirement you will earn the e-vantage rate of 1.01 APY* - on balances up to $25,000.00. On any balances above $25,000.00 the e-Vantage rate of 0.50% APY* is paid. ATM surcharge fees up to $10.00 per statement cycle will be refunded if all e-Vantage requirements are met at the end of the statement cycle. If all the minimum monthly requirements are not met, the account balance rate will be 0.15% APY* and ATM fees will not be refunded. (APY*) The annual percentage yield accurate as of January 16, 2013. Rates and terms are subject to change without notice.
Student Checking
- Any student under 18 can open a checking account as long as they have a parent as a guarantor on the account
- A monthly service charge fee of $2.00
- A credit of $2.00 will be deducted from the service charge fee of $2.00 every month if:
- You receive E-Statements Or have 10 debit card transactions
- A credit of $2.00 will be deducted from the service charge fee of $2.00 every month if:
- No minimum deposit required
- Unlimited Check Writing
- Unlimited Debit Card Usage
- FREE Internet Banking
- FREE Phone Teller
- FREE Bill Pay(if requirements are met)
Citizens Square One Checking
This account is designed to help customers who have previously experienced bank account challenges. This account allows you the opportunity to start back at "Square One."
- $50.00 minimum deposit to open account.
- $10.00 monthly service charge.
- FREE ATM/Debit Card.
- FREE Internet Banking
- FREE Bill Pay (if requirements are met)
- FREE Phone Teller and Mobile Banking.
Citizens Checking Club
This product can be added onto Simply Basic Plus Checking, Simply Basic Checking, Advantage Checking, NOW Checking or e-Vantage Checking for a small fee of $7.00 per month.
- $20,000 24-Hour Accidental Death and Dismemberment Insurance
- Identify Theft Insurance with Fraud Assistance-Have up to $5000 in financial compensation for qualified expenses incurred in the recovery of your stolen identity. Also included is Fraud Assistance-a service designed to help with the hassle of clearing your good name.
- Card Patrol-Monitors your personal information and notifies you of suspicious behavior
- Payment Card Protection-Register all credit, debit, ATM and check cards at one time and in one place. If your cards are lost or stolen, call one convenient toll-free number 24 hours a day to cancel cards. If you are more than 50 miles from home, you also have access to Emergency Cash and Emergency Airline Tickets.
- FREE Personalized Checks
- FREE 24 Hour Phone Teller
- FREE Mobile Banking
- FREE e-Alerts
- FREE Cashier Checks
- FREE Notary Service
- FREE Bill Pay (if requirements are met)
- Extended Warranty and Purchase Price Protection
- Safe Deposit Box at a 25% Discount
- Overdraft Protection up to $300
- Everyday Rebate Rewards
- Cash Rewards
- Hotel Savings Network
- Car Rental Discounts
- Grocery Coupons
