Citizens Premier Checking

By maintaining a minimum balance of $300, you avoid a $5.00 monthly service fee, receive a monthly statement that includes check images, and enjoy the following benefits

• Complimentary First Box of Checks
• Free Debit Card (Available upon approval)
• Free 24-Hr TeleBank Information Line
• $750 Overdraft Protection * Regular Insufficient Funds fees will apply
• Free access to Citizens eBranch Banking
• 10 Service-Charge-Free ePay transactions per statement cycle with Direct Deposit from your Employer, Social Security or other recurring deposits. Additional transactions $.75 each. ***
• 3 Service-Charge-Free ATM transactions at non-Citizens Bank ATM machines per statement cycle
• Interest Premium of .10 percent on Any New CD or IRA Rate ****
• $250.00 Credit Towards Closing Costs for New Mortgage Loans
• First-Year Free Any Size Safe Deposit Box (Based upon availability)
• Complimentary Investment Portfolio Review through Steamboat Financial Group, Inc.

Citizens Choice Checking

Earn weekly interest on your funds in addition to enjoying all the great benefits of the Choice Checking account. By maintaining a minimum balance of $1,000, you will avoid the $10.00 monthly service fee. Image copies of checks are issued with the monthly statement.

Citizens Advantage Club Checking

This account is designed exclusively for our Advantage Club members age 55 and above. Enjoy the benefits listed below in addition to those of the Premier Checking account by maintaining a $2,500 monthly balance in any combination of deposit accounts. You will earn interest monthly on your checking funds and receive image copies of your checks with the monthly statement.

• One Free Box of Advantage Club Checks Annually
• First Year Free and 50% off Annual Renewal Fee on any Size Safe Deposit Box (Based upon availability)
• Additional Free Services : Cashier’s Checks, Money Orders, Travelers Checks, Photocopies and Notary Service **

Citizens Freedom Checking

This account has no monthly fees or minimum balances. You receive a monthly statement, which includes check images.

• Free Debit Card (Available upon approval)
• Free 24-Hr TeleBank Information Line
• Free access to Citizens eBranch Banking
• $750 Overdraft Protection * Regular Insufficient Funds fees will apply
• 10 Service-Charge-Free ePay transactions per statement cycle with Direct Deposit from your Employer, Social Security or other recurring deposits. Additional transactions $.75 each. ***

Citizens Student Checking

This account is designed for young adults between the ages of 17 and 23. There are no minimum balances to maintain and a monthly statement is issued including check images.

• Free Debit Card (Available upon approval)
• Free 24-Hr TeleBank Information Line
• Free access to Citizens eBranch Banking
• 10 Service-Charge-Free ePay transactions per statement. Additional transactions $.75 each.
• $300 Overdraft Protection * Regular Insufficient Funds fees will apply
• 3 Service-Charge-Free ATM transactions at non-Citizens Bank ATM machines per statement cycle

*Overdraft Option is available and subject to approval 30 days after account has been opened . Refer to Term and Conditions Disclosure for the current fee schedule.

**We reserve the right to limit quantities.

***First Direct Deposit must be received within 60 days of account opening. A qualifying Direct Deposit is a Direct Deposit of your salary, pension, Social Security, or other regular monthly income of $100 or more electronically deposited to your account. For accounts without Direct Deposit ePay service is available for a fee of $5.95 per statement cycle, which includes 10 transactions. Additional transactions are only $.75 each.

****Purchased with funds not currently on deposit with Citizens Bank.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account.  In all cases, protection of our customer's identity and confidentiality is our pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country.