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This Account Is For You If... |
Minimum Opening Balance |
Monthly |
Check Writing Ability |
Special Features |
BanClub Checking* |
You want more product for the buck! As a member of the club you receive loads of benefits. |
$10 |
$6.00-$8.00 Membership fee |
Unlimited |
Free ATM/debit cards available; Free Club checks; monthly image statements; May qualify for Overdraft Privilege; **There is a cost for any overdraft service when it is used. No charge for traveler’s checks & official checks; Personal Club Insurance* Not a deposit - Not FDIC insured - Not insured by any federal government agency - Not guaranteed by the bank - May go down in value |
Free Checking* |
You want a service charge free account. |
$10 |
$0 |
Unlimited |
First checks free; Free ATM/debit cards available; May qualify for Overdraft Privilege; **There is a cost for any overdraft service when it is used. |
Regular Checking* |
You want an economical account. |
$10 |
$4.00 if balance falls below $300 during the statement cycle (Account holders 65 or older and full-time students are not subject to service fee.) |
Unlimited |
Free ATM/debit cards available; May qualify for Overdraft Privilege; **There is a cost for any overdraft service when it is used; monthly imaged statements; First checks free. |
Business Checking* |
You want an economical account for your business. |
$10 |
$4.00 if balance falls below $300 during the statement cycle
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Unlimited |
Free business debit cards available; Free ATM/debit cards available; May qualify for Overdraft Privilege; **There is a cost for any overdraft service when it is used; monthly imaged statements; First checks free. |
Gold Club Checking |
You are 50 years of age or better! Great economical account. |
$500 |
$5.00 If balance falls below $500 any day of statement cycle |
Unlimited |
Interest paid monthly on balances; Free personalized Gold Club checks; Free education seminars; 25% Discount on Safe Deposit Box rental; Free ATM/debit card; monthly image statement; may qualify for Overdraft Privilege**There is a cost for any overdraft service when it is used. |
NOW Checking* |
You maintain a high account balance - and desire interest. |
$1000 |
$5.00 If balance falls below $1000 any day of statement cycle |
Unlimited |
First checks free; Free ATM/debit Cards available; monthly image statements; |
Money Market Checking |
You maintain a high account balance, want the highest interest with easy access to your money. |
$2500 |
$5 If balance falls below $2500 any day of statement cycle |
6 withdrawals per month restricted to a maximum of 6 pre-authorized debits. |
Interest paid monthly on account if $2500 balance is maintained; Monthly image statements; First checks free. |
| * NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE
FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and moneymarket deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. **Your checks will be honored, not returned, until your account overdraft exceeds set limit. Standard overdraft fees of $24.00 per item, which includes checks, debit/ATM transactions, internet transactions, pre-authorized debits or transfers. Bank Policy is the account balance is to have a positive balance during each statement cycle to remain in good standing. Accounts that remain overdraft for more than 30 consecutive days may be closed. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Coverage is a service provided to you by Citizens Bank and may be discontinued at any time. |
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This Account Is For You If... |
Minimum Opening Balance |
Service Fee |
Special Features |
Christmas Club |
You want to be prepared for the extra expenses the holiday season can bring. |
$10.00 |
$5.00 per withdrawal. |
May deposit $250/week up to $1000/month. Interest is paid on balances at maturity. Checks are issued in November. |
Regular Passbook Savings |
You want to get started saving for future expenses. |
$10.00 |
Restricted to a maximum of 6 pre-authorized debits each month. A $1.00 fee per withdrawal after 3 each quarter will be charged. |
Interest is paid quarterly. Statements are mailed quarterly. |
 Member FDIC |
Citizens Bank
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 Equal Housing Lender |
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