| Account | Description | Minimum to Open | Monthly Maintenance Fee | Monthly Withdrawal Limitations | Checks/Deposit Images Included in Statement |
|---|---|---|---|---|---|
| 5 Star Checking | The account gives you free ATM's nationwide, free order of basic wallet checks per year, lower interest rates on loans, premium rate on 5 month certificate of deposit and more. Direct deposit and e-statements required. | $100 | $15 (Waived with minimum balance of $1,500 per day) | Unlimited | No (eStatements required) |
| Simple Checking | Perfect for consumers for personal and household use who want to do their banking without incurring an account maintenance fee. | $100 | No fee | Unlimited | No |
| Citizens Basic Checking | Ideal for those who wish to maintain a low balance account while writing a minimum number of checks. | $100 | $3 (Waived with minimum balance of $350 per day) | 10 ($0.50 for each additional) | Yes |
| Citizens Checking | The most traditional account. Provides typical check writing activity and benefits | $100 | $7.50 (Waived with minimum balance of $750 per day or avg. daily collected balance of $1,500 or more) | 27 ($0.25 for each additional) Waived if avg. daily collected balance is $1,500 or more | Yes |
| Citizens 55+ Checking | Prime selection for mature citizens of age 55+. Provides all the benefits of a Citizens Checking at a discount. Direct deposit of primary retirement required. | $100 | $4 (Waived with minimum balance of $750 per day or avg. daily collected balance of $1,500 or more) | 27 ($0.25 for each additional) Waived if avg. daily collected balance is $1,500 or more | Yes |
| Citizens Plus Checking (Interest Bearing) | Preferred account for those who want to earn interest on their balance and still enjoy the privileges of a Citizens Checking. | $100 | $11 (Waived with minimum balance of $1,100 per day or avg. daily collected balance of $5,000 or more) | 27 ($0.25 for each additional) Waived if avg. daily collected balance is $5,000 or more | Yes |
| Citizens Money Market (Interest Bearing) | Choice account for those who desire a higher rate of return on the account funds and conduct minimal check writing activity. | $100 | $15 (Waived with avg. daily collected balance of $2,500 or more) | Unlimited ($5 for each additional withdrawal in excess of 6) | Yes |
| Minor's Savings (Interest Bearing) | Account is limited to individuals under the age of 18 with an account being maintained by the parents or guardians. | $100 | $2 (Waived with minimum balance of $100 per day) | Unlimited ($1 for each additional withdrawal in excess of 1. Waived with minimum balance of $1,000 per day) | No |
| Statement Savings (Interest Bearing) | Ideal account to put away your nest egg or rainy day fund and earn interest on the balance. | $100 | $3 (Waived with minimum balance of $500 per day) | Unlimited ($1 for each additional withdrawal in excess of 1. Waived with minimum balance of $1,000 per day) | No |
| Health Savings (Interest Bearing) | A tax-exempt trust or custodial account for those with high deductible health plans. Established exclusively for the purpose of paying or reimbursing qualified medical expenses. | $250 | no | no | no |
| Traditional IRA (Interest Bearing) | Retirement account allowing you to defer taxes on the earnings of your contributions until they are withdrawn. | $500 | no | no | no |
| Roth IRA (Interest Bearing) | Opposite of a Traditional IRA, Roth IRA is a retirement account which contributions are not tax deductible therefore, when you are eligible, distributions will not be taxed. | $500 | no | no | no |
| Certificate of Deposit (Interest Bearing) | We offer a wide variety of CDs along with competitive rates to meet your financial needs. | $1,000 | no | no | no |
The information provided above is for informational use only. Please see our terms and conditions for complete details on an account product. Contact our friendly and helpful New Accounts Department for all of our rates and terms.
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New Accounts
Phone: (979)885-3571
Toll Free: (800)222-4252