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

See Our Current Rates

Regular Savings

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

Money Market Account

• 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