Consumer Banking Services

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To obtain more information or to open an account, just stop by or Contact Us today. If you need to reorder checks please click on the following Order Checks.

Personal Checking:

• Low $200 minimum balance
  
• Unlimited check writing
  
• No per check charge
  
• Citizens VISAŽ Check card (upon approval)
  
• Unlimited ATM transacations
  
• If average daily balance is less than $200, an $8 service charge fee will be imposed for that statement cycle

Business Checking:

• Low $500 minimum balance
  
• Unlimited check writing
  
• No per check charge
  
• Citizens VISAŽ Check card (upon approval)
  
• Unlimited ATM transacations
  
• If average daily balance is less than $500, an $8 service charge fee will be imposed for that statement cycle

Student Checking:

• No minimum balance required to maintain the account
  
• Unlimited check writing
  
• No per check charge
  
• Citizens VISAŽ Check card (upon approval)
  
• 1st box of checks free (selected style).
  

Preferred Checking:

• Free personalized checks (selected style)
  
• No minimum balance required
  
• Unlimited check writing
  
• No per check charge
  
• Free money orders
  
• Free travelers' cheques
  
• Unlimited ATM transacations
  
• Citizens VISAŽ Check card (upon approval)
  
• All of these features available for a monthly fee of $10.00
  
• Personal accounts only

Value Checking:

• No minimum balance required
  
• No monthly fee
  
• Unlimited check writing
  
• No per check charge
  
• Citizens VISAŽ Check card (upon approval)
  
• Unlimited ATM transacations
  
• Statements rather than cancelled checks provide a monthly record
  
• Copies may be obtained for $.50 per check. After 90 days, the normal research fee will apply for check retrieval.

Now Interest Checking:

• Unlimited check writing
  
• No per check charge
  
• Tiered-rate account. Interest rate and annual percentage yield will vary depending on the daily available balance in your account.
  
• Interest is compounded and credited to your account every month
  
• Interest is earned on a daily balance of $1,500 or more
  
• Citizens VISAŽ Check card (upon approval)
  
• Unlimited ATM transactions
  
• A $10 monthly fee if average daily balance in the account falls below $1,500.
  

Gold Checking:

• Free personalized checks (Selected style)
  
• Tiered-rate account. Interest rate and annual percentage yield will vary depending on the daily available balance in your account
  
• Interest is earned on a daily available balance of $1,000 or more
  
• Citizens VISAŽ Check card (upon approval)
  
• Unlimited ATM transactions
  
• Half-price safe deposit box
  
• 10 free photocopies per month
  
• Free travelers' checks
  
• Free money orders

You must be 62 or older to be eligible for Gold Checking.

Regular Savings

• No minimum balance requirement
  
• Interest paid on daily available balance
  
• Interest compounded and credited quarterly
  
• Allowed six withdrawals per month

Money Market Savings

• Earns competitive interest rate
  
• Tiered-rate account. Interest rate and annual percentage yield will vary depending on the daily available balance in your account
  
• Interest paid on a daily available balance of $1,000 and above
  
• Interest is compounded and credited on a weekly basis
  
• Able to make 6 withdrawals per month with no more than 3 by check
  
• A $10 monthly fee will be charged if the average daily balance in the account falls below $1,000.