Personal Banking Services

Personal Checking Services

We offer a variety of checking accounts, all tailored to service-specific financial needs.

Charge Free Checking Account

• For individuals or unincorporated non-business associations
• $50 minimum opening deposit
• Unlimited transactions
• Non-interest bearing
• No minimum balance fee
• Monthly statement provided
   

Premier Members 1st Checking Account

• No minimum balance
• Unlimited check writing
• Personalized checks-two (2) single orders of checks per
• Savings or Money market Checking Account transfer for overdraft purposes in $50.00 increments (Available upon written request.)
• Only $5.00 a month.  Keep $10,000 in combined deposit relationships and all the above benefits are yours free.
• For more benefits on this account please contact a customer service representative.
   

eFree Checking Account

• No monthly service charge
• No minimum balance
• Free “bank-branded” checks
• Secure and convenient-eStatements
• One (1) NSF fee waived annually
• One (1) stop payment fee waived annually
• No foreign ATM fee assessed by Citizens Bank
• 4 foreign ATM fees waived per month (typical charges will apply to the 5th foreign ATM cash withdrawal)
• Free internet banking, online billpay and debit card
• Required: valid email address and internet banking
   

Interest Checking Account

• For individuals or eligible unincorporated non-business associations
• $1,000 minimum opening deposit
• Daily balance of $1,000 or more – no fee
• Daily balance falls below $1000.00 – fee of $10.00
• Interest calculated on daily balance method, compounded daily, credited monthly
• Monthly statement provided
   

Debit Card

• Easy access to your checking account, anywhere MasterCard is accepted.