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Personal Accounts
Basic FDIC insurance is permanently raised to $250,000 per depositor. All bank depositors who have questions about their insurance coverage can go to www.fdic.gov/deposit/deposits/index.html *** and use their Electronic Deposit Insurance Estimator (EDIE) or call their toll-free number at 1-877-ASK-FDIC.
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Overdraft protection is available on all personal accounts.*
Absolutely Free Checking* - Minimum to Open $50
- NO monthly service charge
- NO limit on checks written per month
- NO charge on first order of personal checks (50 duplicate)
- Complimentary notary service
- Monthly statements with check safekeeping (no check images)
- $3.00 Fee per copy of each check made from bank records
- 12 month account history available online
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| | | | Internet Advantage Checking*- Minimum to Open $50
- Paperless account
- No monthly service charge
- Monthly statements viewed online
- Bill Pay service*
- 1st VISA Photo Debit Card*
- 500 Bonus points awarded at time of opening
- Debit Card Holder
- 12 month account history available online
*Some fees and restrictions may apply. | | | | 
Citizens Choice Checking* - Minimum to Open $50
- $8.00 monthly service charge
- FREE checks with NO limit on check writing per month
- FREE Cashiers and Travelers Checks, and Money Orders
- FREE Internet Banking and Bill Pay Service
- FREE Photo ID Visa Check Card
- $10,000 Accidental Death Insurance & $5,000 Identity Theft Coverage
- 1/4% discount on consumer loans (using auto payments)
- Check images with statement
- $100 Off, Closing Cost of First Mortgage Home Loan
- MANY additional benefits: travel, entertainment, health benefits, coupons, and discounts
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| | | | Regular Checking* - Minimum to Open $100
| Minimum Balance |
Service Charge |
| $500 and above |
$0 |
| $300-$499.99 |
$5.95 |
| $100-$299.99 |
$6.95 |
| $0-$99.99 |
$7.95 |
- Check images with statement
- No limit on checks written
| | | | Golden Years Checking* - Offered to those age 55 and over
- NO minimum deposit to open
- NO monthly service charge
- NO charge for Money Orders, Cashiers Checks, Travelers Checks, or notary services
- NO limit on checks written per month
- Discounted check prices (customer pays half price)
- Check images with statement
| | | | Personal Interest Bearing Accounts
Now Checking* - Minimum to Open $1,500
| Minimum Balance |
Service Charge |
| $1,500 |
$0 |
| Below $1,500 |
$6.95 per month |
- Variable interest rate paid monthly
- Interest will not be calculated if balance falls below $1,500 anytime during the month.
- Check images with statement
- NO limit on checks written per month
- Federal Regulations states eligibility on Commercial Now Checking accounts.
| | | | Money Market Investment* - Minimum to Open $2,500
| Minimum Balance |
Service Charge |
| $2,500 |
$0 |
| Below $2,500 |
$8.95 per month |
- Variable interest rate paid monthly
- Transactions and withdrawals limited to six per month or statement cycle
- Unlimited deposits
- Interest will not be calculated if balance falls below $2,500 anytime during the month.
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Savings Accounts* - Minimum to Open $25
Passbook**
- Variable interest rate
- $1 service charge on balances under $10
- Limited withdrawals up to six per month
- $1 fee in excess of nine withdrawals per quarter
- Interest is compounded and paid quarterly
- No interest paid on accounts with balances less than $25
Watch It Grow**
- 5% Annual Percentage Yield for minors under the age of 18 years on first $1000*
- Variable interest rate on balances over $1000
- $1 service charge on balances under $10 per quarter
- Limits withdrawals to six per month
- $1 fee in excess of nine withdrawals per quarter
- Interest is compounded and paid quarterly
- No interest paid on accounts with balances less than $25
*Interest rate and annual percentage yield may change at our discretion.
**Transactions: Transfers from a Passbook Savings Account to another account or to third parties by preauthorized, automatic, online, telephone, or ATM transfers or debit cards are limited to six per month. Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum average daily balance of $25.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Fees: A daily service charge of $1.00 will be charged for each debit transaction in excess of nine per quarter. This will be charged quarterly. A maintenance fee of $1.00 will be imposed if the average daily balance for the quarter is $10.00 or less. This will be charged quarterly.
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| | | | Certificate of Deposit*
When it comes to earning money on your deposits, a certificate of deposit provides good security. At Citizens Bank, you have lots of choices with competitive rates. Please contact any of our New Accounts representatives to discuss your options.
| | | | Individual Retirement Accounts*
Individual Retirement Accounts, also known as IRA's, have been around for a long time. The earnings on your contributions remain tax deferred until you make withdrawals. IRA's for the taxable year can be opened and funded any time between January 1 and the date your tax return is due for the year, excluding extensions. Please contact any of our New Accounts representatives to discuss your options.
*Please contact our New Accounts representatives for further information.
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***You will be leaving the citizenada.com domain and entering an external link. This link provides additional information that may be useful or interesting and is being provided consistent with the intended purpose of the Citizens Bank Website. However, Citizens Bank cannot attest to the accuracy of information provided by this link or any other linked site. When using unsecured links, do not include personal information such as identifying numbers, pin numbers, and passwords. Providing links to a non-Citizens Bank Website does not constitute an endorsement by Citizens Bank or any of its employees of the sponsors of the site or the information or products presented on the site. Also, be aware that the privacy protection provided on the citizensada.com domain (see privacy statement) may not be available at the external link.
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Overdraft Protection Program**
Relax... You Deserve Consideration!
You'll sleep easy with our new Overdraft Program. Rather than automatically returning any unpaid insufficient funds items that you may have, we will consider without obligation on our part, payment of your reasonable overdrafts.
Have you Ever...
- Made an honest mistake in your checkbook?
- Found yourself a little short?
- Had unusual or unforeseen expenses at just the wrong time?
Overdraft Program Can Mean...
- You can avoid high charges from merchants for returned checks
- You have new convenience and flexibility in managing your funds
- Payment of overdrafts up to $700 ($400 on the Absolutely Free and Internet Advantage Checking) will normally be considered
We will charge our normal non-sufficient funds or overdraft charges, as set forth in our fee schedules, for each item that would create an overdraft on your account.
Fees: $29.95 per check or other items (transactions initiated via an Automated Teller Machine, Automated Clearing House, and Point of Sale purchase using your Visa debit card) charged on checks or other items that are drawn on the Overdraft Protection Plan associated with your account (will be shown as "NSF Item Fee" on your statement).
$29.95 per check or other item will also be assessed when checks or other items exceed your Overdraft Protection Plan balance (will be shown as "NSF-Item Fee" on your statement). The checks or other items that exceed your Overdraft Protection Plan will returned. A charge of $3.00 per day after 5th consecutive day overdrawn.
Of course, we can't promise to pay every overdraft, not all accounts are eligible, and some restrictions do apply. (See the Overdraft Policy below.)
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| | | | Available on these Account Types:
AMOUNT ACCOUNT
*Some restrictions apply to eligible accounts.
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Overdraft Service Description
This is a discretionary overdraft service. Click here to read our full service description. | | |
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| FRAUD ALERT:
Due to the ongoing threat of potential fraudulent activity, PLEASE MONITOR YOUR ACCOUNT ACTIVITY REGULARLY AND REPORT ANY UNAUTHORIZED TRANSACTIONS IMMEDIATELY TO THE BANK. Online banking makes it fast and easy to review your accounts for fraudulent activity. Also, PLEASE DO NOT RESPOND TO ANY PHONE CALLS OR E-MAILS ASKING YOU TO GIVE PERSONAL INFORMATION. Our bank or any other reputable company would never call or e-mail you asking for sensitive information such as Social Security numbers, Driver's License numbers, Debit Card numbers, PINS or Account numbers.
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EMPLOYEE
OF THE MONTH
MEET CALEB HOLTON
Caleb has been with Citizens for 2 years. He does a great job in our New Accounts department and enjoys assisting customers in finding an account that fits their needs. Come by our 12th Street location and tell Caleb Congratulations!
If you are a multi-tasker with a great work ethic and attitude like Caleb, COME JOIN OUR TEAM! Please call Zac Walters at (580) 310-4437 or email to zwalters@citizensada.com * an Equal Opportunity Employer
*For your protection, please do not include personal information such as identifying numbers, pin numbers, and passwords.
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