Checking

Please see one of our New Accounts personnel for assistance in choosing which account is right for you.

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	Basic Checking	Prestige 55 Checking	Regular Checking	Regular Interest Bearing Checking
FDIC Insured	Yes	Yes	Yes	Yes
Debit Card	Yes	Yes	Yes	Yes
Internet Banking	Yes	Yes	Yes	Yes
Bill Pay	Yes	Yes	Yes	Yes
Earns Interest	No	Upon Request	No	Yes
ID Theft Restoration Program	Yes	Yes	Yes	Yes
Unlimited Check Writing	Yes	Yes	Yes	Yes
Free Cashier Check & Money Orders	No	Yes	No	No
	Basic Checking	Prestige 55	Regular Checking	Regular Interest Bearing

Basic Checking

Minimum opening deposit of $25
No monthly service charge
No minimum monthly balance
$2.00 per month dormant account fee*
Check printing costs $17.00 for 125 checks.
ID Theft Restoration Program
ATM/Debit Card Available
Free Internet Banking available
BILL PAY-With this optional service pay 3 or more payments and month and it is FREE. Otherwise, pay $5.95 a month.

Prestige 55 Checking

Minimum opening deposit of $50
No monthly service charge
No minimum monthly balance
Must meet age requirement of 55 or older.
Prestige 55 account can be interest bearing upon request, additional requirements may apply.
FREE Internet Banking
BILL PAY - With this optional service, make 3 or more payments a month and it's FREE. Otherwise, pay $5.95 per month.
Benefits include: 2 boxes of checks at no charge, Documents notarized for free, Five money orders or cashier checks per month at no charge and more!
$2.00 per month dormant account fee*
ID Theft Restoration Program
ATM/Debit Card Available

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 -With this optional service for Individual Accounts make 3 payments or more a month and there is no monthly fee, otherwise the fee is $5.95. For Business Accounts the fee is $10.95 per month.
ID Theft Restoration Program
ATM/Debit Card Available

Regular Interest

Bearing Checking

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.
Interest will not be paid if daily balance falls below $100.00.
Monthly service charge of $6.00 if average monthly balance falls below $1,500.00.
$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 - With this optional service make 3 or more 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 Representatives 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.

The Citizens Bank Company website

Checking

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