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| Recommended if you |
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| Prefer Unlimited check writing with no monthly service charges |
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Want to earn interest on your account and keep a higher minimum balance |
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Student up to age 23 |
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Senior Citizen Age 53 or above |
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Keep large balances in Money Market Account, and want the benefit of a package account |
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| Minimum opening balance |
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| $100 |
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$100 |
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$50 |
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$100 |
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$500 |
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| Interest |
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| No |
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Variable |
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No |
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Variable |
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Variable |
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| Monthly service charge |
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| None |
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$8, $.25 for each debit over 15 (excluding ATM)* |
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None |
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none |
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$10* |
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| How to Avoid Service Charge |
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| N/A |
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Maintain daily balance of $1000 |
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N/A |
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N/A |
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Maintain average daily balance of $1000 |
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| Minimum balance to earn interest |
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| N/A |
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None |
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N/A |
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None |
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None |
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| Additional features |
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First order of checks free
Free Travelers Checks
Free Cashiers Checks
One Gold G.O.O.F. card*
* one time waiver for specific fees |
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Unlimited check writing with maintained balance |
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N/A |
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First check order free
Free travelers checks
Free Cashiers checks |
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First order of checks free
Free safe deposit box for one year
Free Travelers Checks
Free Cashiers Checks
Unlimited check writing
Combined statements
**Opened in conjunction with Citizens Money Market Account |
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