Citizens Bank & Trust Company is committed to offering straightforward banking solutions which will provide you peace of mind and security. All checking accounts are designed to make banking easier for you, providing all of these convenient benefits:

• Free Online Banking & Bill Pay
• Free Visa Check Card
• Unlimited Check Writing
• Unlimited CB&T ATM Use
• Free 24/7 Automated Telephone Banking – Call 434-292-1033 or 1-800-436-5899
• Free Automatic Transfers
• Free Direct Deposit

• Citizens Premier Checking
• Achievement Checking
• Advantage Checking
• Main Street Checking
• Free Checking
  
  
  

CITIZENS PREMIER CHECKING

	$500 Minimum deposit to open account
	Interest bearing account
	Interest credited to the account monthly
	Monthly maintenance fee if relationship is not maintained
	Free checks (Citizens Premier design)
	Free 2x5 Safe Deposit box or credit for a larger box
	CD Bonus rate of .25% over the regular rate (Bonus rate does not apply on CD specials)
	Free Traveler’s Checks (Checks for Two not included)
	Visa Check Card with increased limits
	Monthly statement with image of checks
	Invitation to bank-organized trips or events
This is a relationship account that requires an account owner to have one of or a combination of the following: Any loan(s) with a combined total average daily principal balance of $10,000 or more; any line of credit(s) with a combined total average daily principal balance or limit of $10,000 or more   OR   A combined total average daily balance of $10,000 on deposit in a Certificate of Deposit, IRA, Savings, Money Market or Checking.

ACHIEVEMENT CHECKING

$100 Minimum deposit to open account Must be 55 years of age or older $500 Average daily balance required to avoid monthly maintenance fee Interest bearing account Interest credited to the account monthly One box of free checks per year (Achievement design) 25% off Safe Deposit box rental Monthly statement with images of checks Invitation to bank-organized trips or events

ADVANTAGE CHECKING

	$100 Minimum deposit to open account
	$500 Average daily balance required to avoid monthly maintenance fee
	Interest bearing account
	Interest credited to the account monthly
	Visa Check Card with increased limits
	Monthly statement with images of checks

MAIN STREET CHECKING

	$100 Minimum deposit to open account
	$300 Average daily balance required to avoid monthly maintenance fee
	Non interest bearing
	Free box of standard checks or $5 towards another style at account opening
	Two (2) free foreign ATM transaction fees per statement cycle (some ATM owners may have their own surcharge over which we have no control and are not able to waive)
	Visa Check Card with increased cash limits
	Monthly statement with images of checks

FREE CHECKING

	$100 Minimum deposit to open account
	Non interest bearing
	No monthly service charge
	Monthly text-only statement