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NEW AMENDMENTS TO REGULATION E

New federal regulations have amended Regulation E, the federal law which covers Electronic Funds Transfers.  After August 15, 2010, Citizens Bank will need for you to Opt-In if you want us to try to pay everyday debit card and ATM transactions that would cause your account to be overdrawn, even if we may have done so in the past.  Examples of everyday debit card transactions would be when you pay for a purchase at a gas station, restaurant, grocery store, etc.  In fact, it would be most places that you use your debit card.  Using your debit card to authorize a payment of a recurring bill, such as your cell phone or utility bill, is not considered an everyday debit card transaction and is not covered under this amendment to Regulation E.

If you decide to Opt-In, we will try to cover your everyday debit card and ATM transactions regardless of the funds that exist in your account.  If we do elect to cover the overdraft, you will be saved the frustration and embarrassment of having your card declined at the gas station, restaurant, grocery store or ATM.  There is no fee to Opt-In to this protection.  However, there is a fee of $30 per item if we actually cover the overdraft for you. 

If you decide not to Opt-In, you are telling the bank that you do not want us to try to cover your everyday debit card and ATM transactions when there are insufficient funds in your account.  You will not be charged an overdraft fee; however, your transaction will be declined if there are insufficient funds in your account.

Deciding whether or not to Opt-In to these overdraft services is an important decision.  We want to make certain that you have all of the necessary information to make an informed decision, please click REG E FAQ's.  Any questions you have may be directed to your local Citizens Bank banking center or you may call 903-984-8671 and let us know you want more information about these new regulations.  Should you decide to Opt-In, please click REG E OPT IN for an authorization form.

WELCOME TO CITIZENS BANK ONLINE!

To demonstrate our commitment to providing quality products and services that meet the needs of both our consumer and business customers, we are pleased to have this portal and website which has been in operation for over one and one-half years now. And, we are planning to add new innovations to this website in the coming year which will make it extremely beneficial for our banking customers..

Our portal web-site is designed to serve as your Home Page by giving you the flexibility to personalize each section. By clicking “Edit” next to the section heading, you can customize your stock quotes, news links, and weather information. And, for convenient access to other web-sites, you can create a list of your favorite links and select from a variety of powerful search engines. Under the Quicklinks section, we have also provided you with a list of commonly used third-party links that we are sure you will find informative and helpful.

In addition to the dynamic features available on our portal Home Page, we would like to invite all visitors to our site as well as our customers to browse each of the additional pages to learn more about the past, present and future of Citizens Bank and the products and services we have to offer.

Our Online Banking product is a user-friendly system that provides secure, around the clock account access to both our consumer and business customers, giving you the flexibility to manage your finances at your convenience. Once you have successfully enrolled, you can view your account balances and check images, print statements, transfer funds, make loan payments, and use the secure messaging system to request additional services or assistance. And, because maintaining the privacy of your confidential information is our priority, access is password protected and all transactions are secured using strict encryption standards.

For more information or to see a demonstration visit our Online Banking page or simply click on the First Time User link located in the upper right hand corner. To enroll, consumers can complete the Personal Enrollment application online and once submitted, your temporary password will be sent directly to you and should arrive within 5-7 business days. Business customers should contact a customer service representative for an enrollment application.

Thank you for visiting Citizens Bank Online!