Checking
Accounts
|
Free Checking with Overdraft
Advantage
Our Overdraft Advantage is a feature of Citizens
Bank's personal checking accounts. The plan provides our
customers the ability to overdraw their checking accounts up
to a predetermined limit. Existing accounts in good standing
are automatically covered by the plan. New accounts with a
positive balance for 30 days may be given a $300 limit.
Accounts that are in good standing and more than six months
old may be given a $600 limit. There is an $800 limit
available for our Club Accounts and accounts with Automatic
Deposits.
To keep your account in good standing, the plan requires
making regular deposits to cover your transactions and
bringing your account to a positive balance at least once in a
30 day period. If these requirements are not met, your
inclusion in the program may be suspended. Normal overdraft
charges will occur for each item paid under the plan.
There is no charge unless you use the service.
Our Overdraft Advantage gives you peace of mind knowing that
your checks and other withdrawals will be paid up to a
pre-approved amount.
|
Checking
Accounts
|
The Club
Free Checks, Personalized
$10,000 to $20,000 Accidental Death Insurance
Low Monthly Fee
|
Checking
Accounts
|
Merchant Accounts
Grow your small business and accept credit cards at your location.
No monthly service charge options available with premier merchant processors.
A $10.00 charge is made on any merchant account that falls below the
$25 monthly minimum balance during a statement cycle.
Interest paid on every dollar in the account
Visa Mastercrd Transastion Rates subject to change See this website for more details
|
Checking
Accounts
|
Prestige Accounts
Available for customers age 50 or
older
Interest paid on every dollar in account
Distinctive "Prestige" checks provided at no charge
No monthly fee if minimum balance of $500 or more is
maintained
Low balance fee of $6.00 per month if balance falls below
$500.00
|
Checking
Accounts
|
Regular Checking
No service charges on our regular checking.
No
minimum balance required
No service charge to students
|
Checking
Accounts
|
Debit Card
MasterMoney debit card
available. It also serves as an ATM card. MasterMoney
can be used at merchants that accept MasterCard credit cards.
|
|
Savings
& Investments
|
Money Market Investments
Balance of $2,500 or more
Rates subject to change
Limited checking
$7.00 service charge when balance falls below $2,500
|
Savings & Investments
|
Regular Savings
Interest paid semi-annually
Interest paid to date of withdrawal
Service charge of $ .50 per item after 3 withdrawals in an
interest period.
|
Savings & Investments
|
IRA
Available to anyone earning a
regular income
Your choice of fixed or variable rates
$100 minimum deposit to open account
Rates of interest vary according to the plan used
|
Savings & Investments
|
Certificate of Deposit
Citizens Bank offers a wide variety of
certificates.
With a deposit of $1,000 or more, you can invest for a period of
31 days up to 60 months with a guaranteed return on your
money.
|
Savings & Investments
|
Christmas Club
Current interest rate paid on daily
balance
$10.00 charge on each withdrawal
Payroll deductions available
No monthly service charge
|
Savings & Investments
|
First Choice Money Fund
Minimum opening deposit of $10,000
$10,000 daily balance must be maintained to obtain annual
percentage yield
$10.00 service charge if balance falls below $2,500.
Rates subject to change
You may make 6 transfers/withdrawals per month.
|
|
Loans
|
Commercial
Installment
Student Loans
Home Mortgage Loans
Home Improvement Loans
Home Equity Loans
Farm Loans
|
For
Loan Request Form, click here
or
contact
your local branch by clicking here. |
|
Safe Deposit Boxes
|
3" x 5" x 24" |
$20.00 |
3" x 10" x 24" |
$30.00 |
5" x 10" x 24" |
$45.00 |
|
Special Services |
Money
Orders |
$5.00 each |
Cashier
Checks |
$5.00 each |
Stop
Payment |
$30.00 each |
Checks
Returned |
$30.00 per
item |
Overdraft
Paid |
$30.00 per
item |
Christmas
Club Withdrawals |
$10.00 per
withdrawal |
Customer
Account Research |
$30.00 per
hour |
Account
Reconcilement |
$30.00 per
hour |
Dormant
Accounts |
$2.00 per
month |
Wire
Transfer of Funds |
$20.00 each |
Reissued
Lost Debit Card |
$20.00 each |
Early
Account Closing Fee |
$20.00 |
Cashing
Non-Customer Checks |
$5.00 |
Charge Back
Fee |
$5.00 |
|
|
|