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Telephone Banking - 24 Hour Automated Information and Transaction Center
Customers may access account information 24 hours a day, 7 days a week from any touch-tone telephone. Call 292-1033 or 1-800-436-5899.

CITIZENS PREMIER CHECKING

$500 Minimum deposit to open account
Service charge if average balance is not maintained*
Interest bearing account
Interest credited to the account monthly
Free checks (Citizens Premier design)
Free Online Banking with Bill Pay
Free 2x5 Safe Deposit box or credit to a larger box
CD Bonus rate of .25%**
Free Traveler’s Checks (Checks for Two not included)
Free Check card with increased limits
Monthly statement with images
Invitation to bank organized trips or events
This is a relationship account with the following terms: An open Home Equity Line with balance or line of $10,000 or more or a combined total of $10,000 on deposit in a CD, IRA, Money Market, or DDA (which includes this account). An average balance fee will apply if the combined balance on the above mentioned accounts falls below $10,000.

FREE CHECKING

$25 Minimum deposit to open account
No monthly service charge
No minimum balance requirement
No activity or transaction fees
Free Online banking with Bill Pay
Free Check card
Non interest bearing
Monthly text only statement

REGULAR CHECKING

$25 Minimum deposit to open account
$200 Average monthly balance
Service charge if average balance is not maintained*
Free Online Banking and Bill Pay
Free Check card
Non interest bearing
Monthly statement with images

SENIOR CITIZENS CHECKING

$25 Minimum deposit to open the account
Must be 60 years or older
No monthly service charge
No minimum balance requirement
Free Online Banking and Bill Pay
Free Check card
Monthly statement with images

CHECK PLUS

$500 Minimum deposit to open account
$500 Average monthly balance
Service charge if average balance is not maintained*
Interest bearing account
Interest credited to the account monthly
Free Online Banking with Bill Pay
Free Check card
Monthly statement with images

SENIOR CITIZENS CHECK PLUS

$500 Minimum deposit to open the account
$500 average monthly balance
Must be 60 years of age or older
Interest is forfeited if average balance is not maintained
Interest bearing account
Interest credited to the account monthly
One box of free checks per year (Senior Citizens Check Plus design)
Free Online Banking and Bill Pay
Free Check card
Monthly statement with images

*See Fee Schedule

FDIC

Citizens Bank & Trust Company
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