Personal Checking

• Regular Checking
• Free Checking
• NOW Account Checking
• Citizens Checking Club
• Citizens Advantage Club
• Money Market Deposit Account
• Student Checking
• eVantage Checking

Regular Checking

• Minimum balance of $100.00 required to open
• No charge if balance remains $500.00 or more
  • Under $500.00 the fee will be $4.00
  • Under $400.00 the fee will be $5.00
  • Under $300.00 the fee will be $6.00
• Unlimited Debit Card Usage
• Unlimited Check Writing
• Free Debit Card
• Free Internet Banking
• Free Phone Teller
• Free Bill Pay
• Free Direct Deposit

Free Checking

• Minimum balance of $100.00 required to open
• No Monthly Service Charge
• Unlimited Check Writing
• Unlimited Debit Card Usage
• Free Debit Card
• Free Internet Banking
• Free Phone Teller
• Free Bill Pay
• Free Direct Deposit

NOW Account Checking

• Minimum balance of $1000.00 required to open
• Service charge is determined by the minimum daily balance:

NOW Account Tiered Interest Rates

• Unlimited Check Writing
• Unlimited Debit Card Usage
• Free Internet Banking
• Free Phone Teller
• Free Bill Pay
• Free Debit Card
• Free Direct Deposit

Citizens Checking Club

This product can be added to your Regular Checking, Free Checking, or NOW Account for a small fee of $6.00 per month.

• $20,000 24-Hour Accidental Death and Dismemberment Insurance
• Additional Plan-$30,000 coverage on Members. Only $1 more per month
• 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.
• Credit Alert-24-hour, daily credit monitoring. You are alerted automatically of negative changes to your credit.
• Personalized Checks
• Travelers Checks and Money Orders
• 24 Hour Phone Teller
• Safe Deposit Box at a 25% Discount
• MasterCard or Visa
• Notary Service
• Overdraft Protection up to $300
• Everyday Rebate Rewards-Get rewarded-simply by purchasing items you use every day. Save your receipts when you buy groceries, eat out, purchase clothing, etc. At the end of every quarter send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% back.
• Cash Rewards-Make purchases through the Cash Rewards website. Register your debit or credit card and start shopping. Cash rewards are automatically refunded to your account.
• 50% Off Lodging Discounts-Save 50% on lodging at over 3,000 hotels, motels, beds and breakfasts, and condominiums nationwide.
• Travel and Leisure Discounts-Save on car rental, cruise lines, travel packages, and much more!
• Car Rental, RV, Lodging Chain Discounts and More-Save on car and RV rental agencies.
• Movie Theatre Discounts-Receive discounted tickets to the movies. Order as many discount tickets as you want from major theatre chains across the country.
• Savings on Special Services-Savers Club gives you discounts on services you can use every day. You'll find discounts on floral services, lawn care, and more!
• Theme Park Discounts and Other Attractions-Get discount admission tickets on family vacations to major theme parks across the country plus to zoos, museums, golf outings, and more.
• Grocery Coupons-Receive hundreds of dollars worth of grocery coupons annually.

Citizens Advantage Club

This account offers our customers 55 and older many attractive benefits:

• $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.
• Personalized Checks
• Travelers Checks and Money Orders
• 24 Hour Phone Teller
• Safe Deposit Box at a 25% Discount
• MasterCard or Visa
• Notary Service
• Overdraft Protection up to $300
• Everyday Rebate Rewards-Get rewarded-simply by purchasing items you use every day. Save your receipts when you buy groceries, eat out, purchase clothing, etc. At the end of every quarter send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% back.
• 50% Off Lodging Discounts-Save 50% on lodging at over 3,000 hotels, motels, beds and breakfasts, and condominiums nationwide.
• Travel and Leisure Discounts-Save on car rental, cruise lines, travel packages, and much more!
• Car Rental, RV, Lodging Chain Discounts and More-Save on car and RV rental agencies.
• Movie Theatre Discounts-Receive discounted tickets to the movies. Order as many discount tickets as you want from major theatre chains across the country.
• Savings on Special Services-Savers Club gives you discounts on services you can use every day. You'll find discounts on floral services, lawn care, and more!
• Theme Park Discounts and Other Attractions-Get discount admission tickets on family vacations to major theme parks across the country plus to zoos, museums, golf outings, and more.
• Grocery Coupons-Receive hundreds of dollars worth of grocery coupons annually.

This account can be added to your Regular Checking, Free Checking, or NOW Account.

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 month, three (3) of which may be third party checks.
• 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.

Money Market Deposit Account Interest Rates

Student Checking

• Any student under 18 can open a checking account as long as they have a parent as a guarantor on the account
• No minimum deposit required
• No monthly service charge
• Unlimited Check Writing
• Unlimited Debit Card Usage
• Free Internet Banking
• Free Phone Teller
• Free Bill Pay

e-Vantage Checking

                 Annual Percentage Yield                   Interest Rate

Below $25,000      2.02%                                           2.00%

Balances over $25,001.00        1.01%                    1.00%

If Requirements are not met     0.25%                    0.25%

Earn a higher rate of interest on balances up to $25,000*

Minimum balance of $100.00 required to open.

No monthly service charge

Free Debit/ATM card

Free Internet Banking

Free Bill Pay

Free PhoneTeller

Unlimited check writing

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 lease 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 2.02 APY* - on balances up to $25,000.00.  On any balances above $25,000.00 thee-Vantage rate of 1.01% 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 0.25% APY* and ATM fees will not be refunded.  (APY*) The annual percentage yield accurate as of May 1, 2010.  Rates and terms are subject to change without notice.