Personal Banking

Checking Accounts

Regular Checking Account 

  • Minimum opening deposit $100.00
Monthly Fees
if balance remains above $1,000.00 $0
if balance remains from $700.00 to $1,000.00 $3.00
if balance remains from $400.00 to $700.00 $6.00
if balance falls below $400.00 $9.00
  • $.15 per check charge for each check in excess of 50 during a statement cycle
  • ATM/Debit card option
  • Bill Pay option

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Bonus Checking Account

  • Minimum opening deposit $100.00
  • Accidental Death & Dismemberment Insurance (some restrictions apply)
Monthly Fees
Individual Coverage - $15,000.00 AD&D Insurance coverage $10.00
Joint Coverage - $30,000.00 AD&D Insurance coverage plus    $1,500.00 per dependent $11.00
   
  • Unlimited check writing
  • Free personalized club checks (postage not included)
  • Reduced stop payment fee $10.00
  • ATM/Debit card option
  • Bill Pay option

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Free Checking Account

  • Minimum opening deposit $100.00
  • No monthly service fee
  • Unlimited check writing
  • ATM/Debit card option
  • Free Online Banking
  • Bill Pay option

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Student Checking Account

  • Minimum opening deposit $100.00
  • Age 24 or younger
  • No monthly service fee
  • $.25 per check charge for each check in excess of 50 during a statement cycle
  • ATM/Debit card option
  • Bill Pay option

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NOW Checking Account

  • Minimum opening deposit $1,000.00
  • Monthly service fee of $10.00 if balance falls below $1,000.00
  • $.20 per debit fee for each debit transaction in excess of 20 during a statement cycle
  • Interest bearing account
  • Bill Pay option

Contact a Customer Service representative for current rates.

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Citizens Open Money Market Account

  • Minimum opening deposit $1,000.00
  • Monthly service fee of $10.00 if balance falls below $1,000.00
  • Debit transactions limited to six (6) per month
  • Excess withdrawal fee of $5.00 will be charged for each debit transaction in excess of limitations
  • Interest bearing account

Contact a Customer Service representative for current rates.

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Citizens Presidential Money Market Account

  • ·Minimum opening deposit of $10,000.00
  • Must have a personal checking account with Citizens Bank & Trust Co. to open a Presidential Money Market Account
  • Monthly service fee of $15.00 if balance falls below $10,000.00
  • Debit transactions limited to six (6) per month
  • Excess withdrawal fee of $5.00 will be charged for each debit transaction in excess of limitations
  • Interest bearing account

Contact a Customer Service representative for current rates.

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