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PRIVACY NOTICE
 

Checking Accounts

The Citizens Bank Company offers a variety of deposit accounts. Please see one of our qualified New Accounts personnel for assistance in choosing which account is right for you.


Annual Percentage Yields Accurate as of May 4, 2016

EZ ACCESS Checking

  • Minimum opening deposit of $50.00
  • No monthly service charge
  • No minimum monthly balance
  • FREE Internet Banking
  • BILL PAY - Just make 3 or more online payments a month and it's FREE.  Otherwise, pay $5.95 per month.
  • ID Theft Restoration Program
  • Interest Rate 0.20%, Annual Percentage Yield 0.20% on daily balances of $1500.00 or more
  • $2.00 per month dormant account fee*
  • Unlimited Check Writing
  • Check Printing Charge
  • Debit Card
  • The rate shown for this account may change after the account is opened
  • Fees charged against this account could reduce earnings

Regular Checking

  • Minimum opening deposit of $50.00
  • Balance required to avoid service charge - $500.00
  • Monthly maintenance fee - $3.00 and an additional $0.10 per check if at any time the balance falls below $500.00
  • $2.00 per month dormant account fee*                              
  • Check printing charge.
  • FREE Internet Banking available
  • Bill Pay
    Individual Accounts - "3 for FREE" (make 3 payments or more a month and there is no monthly fee.
                                    Otherwise pay $5.95 per month)
    Business Accounts -   $10.95 Per Month, includes up to 25 bill payments per month.
  • ID Theft Restoration Program
  • ATM/Debit Card Available

Basic Checking 

  • Minimum opening deposit of $25.00
  • No monthly service charge
  • No minimum monthly balance
  • $2.00 per month dormant account fee*                                                             
  • Check printing costs $20.00 for 200 checks.
  • ID Theft Restoration Program
  • ATM/Debit Card Available
  • Free Internet Banking available

Key Club Checking

  • Minimum opening deposit of $50.00
  • One low monthly service charge of $7.00, $8.00 or $9.00 depending on level of AD & D insurance chosen
  • No minimum monthly balance
  • FREE Internet Banking
  • BILL PAY - Just make 3 or more online payments a month and it's FREE.  Otherwise, pay $5.95 per month
  • Other Benefits include: Unlimited Personalized Checks, Five money orders or cashier checks per month at no charge
  • $2.00 per month dormant account fee*                                                             
  • ID Theft Restoration Program
  • ATM/Debit Card Available

Prestige 55 Checking

  • Minimum opening deposit of $50.00
  • No monthly service charge
  • No minimum monthly balance
  • FREE Internet Banking
  • BILL PAY - Just make 3 or more online payments a month and it's FREE.  Otherwise, pay $5.95 per month
  • Benefits include: Unlimited Personalized Checks, Documents notarized for free, Five money orders or cashier checks per month at no charge, and Much More!
  • $2.00 per month dormant account fee*                                                             
  • ID Theft Restoration Program
  • ATM/Debit Card Available

Interest Bearing Checking Account

  • Minimum opening deposit of $100.00
  • Interest Rate 0.20% with an Annual Percentage Yield of 0.20% on daily balances of $100.00 or more
  • Monthly maintenance fee of $6.00 if average monthly balance falls below $1,500.00
  • Minimum balance of $100.00 required to obtain APY as listed
  • Interest will not be paid if balance falls below $100.00
  • $2.00 per month dormant account fee*                                                             
  • ID Theft Restoration Program
  • ATM/Debit Card Available
  • The rate shown for this account may change after the account is opened
  • Fees charged against this account could reduce earnings
  • BILL PAY - Just make 3 or more online payments a month and it's FREE.  Otherwise pay $5.95 per month

Line O’ Credit

If you have (or open) a Citizens Bank Company checking account, you may qualify for a Line O' Credit. Line O' Credit allows a Citizens Bank Company checking account customer to write checks for more than your checking account balance at The Citizens Bank Company.

When you write a check (or checks) for more than your checking account balance, we will automatically deposit whatever multiple of $50.00 is necessary to cover the check, or checks (up to your Visa/MasterCard limit). These deposits are added to your Visa/MasterCard account with The Citizens Bank Company as cash advances.

A $12.00 Transaction Fee will be charged for each transfer to your checking account.

Line O' Credit doesn't cost you anything to have....you only pay if you use it.

Ask one of our Customer Service Representative about this product.

*A demand account becomes Inactive when no customer activity occurs for six months.  A demand account becomes Dormant when no customer activity occurs for one year.