Personal Banking

Citizens Bank offers a variety of checking accounts to meet your changing needs.

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Checking



Citizens Freedom Checking Citizens Regular Checking Checking with Interest Senior Citizens 55+ Years
Senior Citizens 55+
with Interest
Minimum Deposit to Open Account $100 $200 $500 $200 $200
Monthly Service Fee No Monthly Service Fee $7.50 if average daily balance falls below $500 $10 if average daily balance falls below $750 $2 $5 if average daily balance falls below $500
Unlimited Check Writing Privileges Yes, plus 50 duplicate checks offered at no fee for new account opening Yes Yes Yes Yes
Imaged Copies of Checks Included with Statement

Not included
Yes Yes Yes Yes
Variable Interest Rate Not Applicable Not Applicable May change without notice Not Applicable 
May change without notice 
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.

A fee of $10 will be assessed if an account is closed within the first 30 days.  


  Savings

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Money Market Savings
Regular Savings
Super Savings Club
(Birth - 18 years)
Minimum Deposit to Open Account $1,000 $200 $25
Monthly Service Fee $10 monthly service fee if the daily balance falls below $1,000.
$10 quarterly service fee if  the daily balance falls
below $100.
No quarterly service fee
Withdrawals
Six withdrawals per statement cycle. $20 per excess withdrawal.
Six withdrawals per quarter. $3 per excess withdrawal.
Six withdrawals per quarter
Variable Interest Rate
May change without notice. Interest accrues on the daily balance.
May change without notice. Interest accrues on the daily balance.
May change without notice. Interest accrues on the daily balance.

Variable Rate of Interest: 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.

A fee of $10.00 will be assessed if an account is closed within the first 30 days.



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