FREE CHECKING ACCOUNTS

Citizens offers a FREE Checking Account with no minimum balance and no monthly service charge and a Free ATM/Debit Card. Free check safekeeping with one free copy per month.

REGULAR CHECKING ACCOUNTS

Citizens REGULAR CHECKING ACCOUNT has a monthly fee of $6.00 ONLY if the account balance drops below $500.00 at any time during the month.

CITIZENS SUPER N.O.W (Negotiable Order of Withdrawl)

A CITIZENS SUPER N.O.W. ACCOUNT is an interest bearing checking account available to individuals and sole proprietor business with a $500.00 minimum balance and unlimited checking. The interest is compounded daily on your daily ending balance and added to your balance at the end of the statement cycle. If balance falls below $500.00 during the month you will be charged a $10.00 service charge. No interest will be paid on the account balance during the days it is below $500.00.

SAVINGS ACCOUNTS

Competitive interest rates, compounded daily, are paid on this account from date of deposit to date of withdrawal.  A $3.00 service charge will be assessed on an active account if the balance falls below $100.00 during a calendar quarter.  A fee of $1.00 for each withdrawal over three per quarter will be assessed.  If balance of account falls below $25.00, no interest will be paid.