Personal Checking Accounts

Free Checking

• Minimum to open account - $100.00
• No monthly charge
• Check images are not returned with statement

Regular Checking

• Minimum to open account - $100.00
• Minimum daily balance = $500 or more - no charge
• Minimum daily balance = $499 or below - $7.95
• Per check charge fee for each debit transaction (check paid, withdrawal, automatic
•           transfer or payment out of account)
• First 25 transactions - no charge
• Additional debit transactions, each - $0.15

Super NOW

• Minimum to open account - $1500.00
• Fees, if daily balance falls below $1500 - $10.00
• Per check charge fee for each debit transaction (check paid, withdrawal, automatic
•           transfer or payment out of account)
• First 25 transactions - no charge
• Additional debit transactions, each - $0.15

Money Market

• Minimum to open account - $1500.00
• Fees, if daily balance falls below $1500 - $10.00
• First three debit transactions per month - no charge
• Additional debit transactions, each - $2.00
• Account limited to 6 preauthorized transfers per month
• Unlimited in-house transactions

Citizens Classic Club Account

• Our most valuable interest bearing account for only $8.95 per month.
• No minimum balance
• Free personalized basic checks
• Free safe deposit box (for one year)
• Traveler's checks
• Cashier's checks
• Hotel/motel discounts
• $10,000 accidental death and dismemberment and $20,000 common carrier policy
• Prescription drug discounts

Citizens Classic Gold Club Account

• If you are a customer 50 or better, you will receive all of the services of the Citizens Classic Club Account for only $4.95 per month.