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Checking Accounts

Citizens Reward Checking Account

You must deposit $100 to open this account. A minimum balance fee of $8 will be imposed every statement cycle if the balance falls below $300 any day of the cycle. $3 monthly statement fee will be imposed (waived for eStatements). Citizens Reward Checking includes access to CitizensNet Banking, ATM/Chip-enabled debit card, cellular telephone protection*, travel and leisure discounts*, identity theft protection service*, accidental death and dismemberment insurance coverage* and more.

*For detailed information on eligibility, restrictions of rewards and insurance coverage, see brochure at the following link: Citizens Reward Checking Presentation Tool.

 

Business Checking Account

You must deposit $100 to open this account. A minimum balance fee of $15 will be imposed every statement cycle if the balance falls below $2,000 any day of the cycle. No minimum balance charge is assessed if the account has three (3) or less withdrawals per statement cycle, excluding electronic fund withdrawals.

NOW Account

To open a NOW Account, you must deposit $1,500. A minimum balance fee of $10 will be imposed every statement cycle if the balance falls below $1,500 any day of the cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items, such as checks. Interest will be compounded and credited to your account every month.

Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account every week, at our discretion.