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Personal Checking

Everyday Banking Essentials

From quick deposits to monthly statement reviews, your personal checking should feel as comfortable as time with a close friend. We've designed essential banking tools that simplify your finances while providing the attentive service you'd expect from a trusted neighbor. Count on us to help manage your money with ease.
 

Freedom Checking

  • Opening balance $100
  • Monthly maintenance fee of $5 will be assessed if average collected balance falls below $1,000.00
  • Unlimited transactions
  • Credits: 25 Debit Card swipes posted during the statement cycle reduces the monthly maintenance fee by $2

High School Checking

  • Great starter account for teens aged 13 – 17 with adult co-owner
  • Opening balance $100
  • Monthly maintenance fee of $2
  • Teens learn how to manage money with their own debit card and mobile banking service
  • No checks or overdraft privilege on this account
  • Parents with online or mobile banking can review activity and transfer money as needed

Community Club/Plus

  • Opening balance $100
  • Monthly maintenance fee of $9 for Community Club, $11 for Community Club Plus and $5 for seniors’ accounts (primary owner must be age 50 or older)
  • Accidental Death Insurance and Common Carrier Insurance
  • Free personalized club design checks (limit 500 per year)
  • No fee for cashier's checks and money orders
  • First year safe deposit box discount
  • Gas & gift card discounts
  • Cash back membership rewards

ID Protection Plus

  • Opening balance of $100
  • Monthly maintenance fee of $3
  • $10,000 Identity Theft Insurance, reimbursement service with fraud assistance through a fraud resolution service
  • ID Network Safety Services
  • Payment Card Protection
  • Free personalized checks (limit 500 per year)
Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the summary for complete details of coverage, limitations and exclusions. The insurance offered is not a deposit, not FDIC insured, not guaranteed by the Financial Institution and not insured by government agency.

Smart Checking Account

  • Opening balance $1,000
  • Interest bearing checking account
  • Interest is compounded monthly and credited monthly
  • No fee with a daily minimum ledger balance of $1,000 or more
    • If daily minimum ledger balance falls below $1,000, a $10 monthly maintenance fee will be assessed
 










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CDs and IRAs

As you plan for the years ahead, finding the right investment solutions can feel like a daunting task. But at Citizens Bank and Trust, we're here to make the journey a little easier. Contact our team today to learn about CD and IRA accounts.