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Personal Deposit Products

 

Checking Accounts

All checking accounts come with:

  • Free Online Banking and Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
  • Free Debit Card
  • Free Telephone Banking

Checking Account Comparison

Free Essentials Checking

  • $100 Opening Deposit
  • No Minimum Balance to Maintain to Avoid Fees
  • No Monthly Maintenance Fee
  • Account Highlights:
    • First order of checks free
    • Free Cashier Checks

Personal Interest Checking

  • $100 Opening Deposit
  • Maintenance Fee can be avoided by maintaining a $1,000 daily balance
  • $8 Monthly Maintenance Fee
  • Account Highlights:
    • Earns Interest

Student Checking

  • $50 Opening Deposit
  • No Minimum Balance to Maintain to Avoid Fees
  • No Monthly Maintenance Fee
  • Account Highlights:
    • Must be Student and under age 23

Senior Citizens Checking

  • $100 Opening Deposit
  • No Minimum Balance to Maintain to Avoid Fees
  • No Monthly Maintenance Fee
  • Account Highlights:
    • First order of checks free
    • Earns Interest
    • Age 53+

Citizens Checking

  • $500 Opening Deposit
  • Maintenance Fee can be avoided by maintaining a $1,000 daily balance
  • $10 Monthly Maintenance Fee
  • Account Highlights:
    • Combined statements
    • Opened in conjunction with
    • Citizens Money Market Account
    • First order of checks free
    • Free safe deposit box for 1yr.
    • Earns Interest

See Our Current Rates

Savings Account

  • Free Online Banking and Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
  • Free Telephone Banking
  • Earns Interest on Account Balances of $100 or more
  • $100 minimum to open
  • 3 Debit Transactions per quarter, All other @$1

Personal Money Market

  • Free Online Banking and Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
  • Free Telephone Banking
  • $100 minimum to open
  • $6 monthly maintenance fee
  • Maintenance fee can be avoided by maintaining a $1,000 daily balance

Citizens Money Market

  • Free Online Banking and Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
  • Free Telephone Banking
  • Free Safe Deposit box for 1 year
  • $2,500 minimum to open
  • $20 monthly maintenance fee
  • Maintenance fee can be avoided by maintaining a $10,000 daily balance
  • Combined statement
  • A customer receives all benefits offered by keeping both Citizens Checking and Citizens Money Market accounts

Certificates of Deposit (CDs)

  • $500 Minimum to open
  • Maturities from 30 days to 60 months
  • Rate varies by amount and term of deposit

Individual Retirement Account(IRAs)

  • $500 minimum to open
  • Maturities from 30 days to 60 months
  • Rate varies by amount and term of deposit

We offer SEP, CESA, Traditional, Roth, and Simple IRAs.

Note: Customer should consult their tax advisor regarding tax implications prior to executing transactions to their IRA.

 

See our current Rates

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