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|Small Business Checking
||Commercial Business Checking
||Business Money Market Savings
|Minimum Deposit to Open Account||$500||$1,000||$1,000||$500|
|Monthly Service Fee||$10 if average daily balance falls below $1,000.
||$15 if average daily balance falls below $1,000.||Quarterly service fee of $15 if average daily balance falls below $500
||No fee on the first 100 withdrawals per monthly statement cycle. Activity fee of $.20 per withdrawal in excess of the 100 allowed.
Each withdrawal: $.12
Each deposit: $.20
Each deposit item: $.05
|Six withdrawals per statement cycle. $20 per excess withdrawals. Unlimited in person withdrawals.*||
Six withdrawals per quarter.
$6 per excess withdrawal.*
|Imaged Copies of Checks Included with Statement||Yes
|Variable Interest Rate||Not Applicable||Earnings Credit*
||May change without notice. Interest accrues on the daily balance.||May change without notice. Interest accrues on daily balance.|
Variable Interest Rate: The interest rate will be a variable rate of interest which is set by Citizens Bank from time to time at its sole discretion and which will change without notice to the depositor. The interest rate may be obtained by calling your local banking center.
*Earnings Credit: The earnings credit is calculated on the average daily balance. The earnings credit rate changes monthly and is tied to the average monthly rate of the 90 day Treasury Bill. If the calculated earnings credit during the monthly statement cycle is larger than the monthly service fee, there will be no monthly charge.
A fee of $10.00 will be assessed if an account is closed within the first 30 days.
*Restrictions apply to withdrawals not made in person, by messenger, by mail or at an ATM.
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