Personal Checking

 Only $50 to open! Every new personal checking account includes:

  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE E-Statement

 

  Citizens Premium Plus Checking Citizens 50 Plus Checking Citizens VIP Checking Citizens E-Checking
Will you always keep over $1500
in this account?
     
Will there be anyone 50 years or over
signing on this account?
($100 minimum in account)
     
Does anyone plan to have direct deposit or
automatic payments with this account?
($100 minimum in account)
     
If you answered no to all of the
questions above.
     
|
  • Citizens Premium Plus Checking

    An account for those interested in higher rates!

    • FREE personalized checks
    • Tiered interest rates
    • No Per check fee | Unlimited check writing
    • Only $7.00 if minimum falls below $1500

     Other fees such as Overdraft Fees, Overdraft Returned Fees and Overdrawn Account Fees may apply.

    See TISA disclosures for details.

  • Citizens 50 Plus Checking

    A perfect account for customers 50 and over!

    • FREE Personalized checks
    • Competitive Interest
    • No per check fee | unlimited check writing
    • Only $2.00 if balance falls below $100
    • FREE Monthly E-Statement (or $5.00 monthly paper statement charge)

     Other fees such as Overdraft Fees, Overdraft Returned Fees and Overdrawn Account Fees may apply.

    See TISA disclosures for details.

    Paper Statement Fee will be assessed monthly, but will be offset by an Activity Discount Credit with E-Statement sign up.

  • Citizens VIP Checking

    Checking with the convenience of direct deposit or any automatic payment!

    • Competitive interest
    • No per check fee | unlimited check writing
    • Only $2.00 if balance falls below $100
    • FREE Monthly E-Statement (or $5.00 monthly paper statement charge)
    • Customer purchases checks

    Other fees such as Overdraft Fees, Overdraft Returned Fees and Overdrawn Account Fees may apply.

    See TISA disclosures for details.

    Paper Statement Fee will be assessed monthly, but will be offset by an Activity Discount Credit with E-Statement sign up.

  • Citizens E- Checking

    An account for everyone's banking needs!

    • No minimum balance requirements
    • No per check fee | unlimited check writing
    • FREE Monthly E-Statement (or $5 monthly paper statement charge)
    • Customer purchases checks

    Other fees such as Overdraft Fees, Overdraft Returned Fees and Overdrawn Account Fees may apply.

    See TISA disclosures for details.

    Paper Statement Fee will be assessed monthly, but will be offset by an Activity Discount Credit with E-Statement sign up.

     

     


 

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have a discretionary overdraft practice that we apply to your account.
  2. We also offer an overdraft protection plan in the form of a Ready Reserve line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about this plan.

This notice explains our discretionary overdraft practices effective August 15th 2010.

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
  • Recurring debit card transactions (example: monthly membership dues)

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Citizens Bank pays my overdrafts?

Under our standard overdraft practices:

  • We will charge you a fee of $31 each time we pay an overdraft.
  • You will be charged no more than 5 Overdraft-Fees per day and we will not charge an Overdraft-Fee for transactions that overdraw an account by less than $10.
  • Also, if your account is overdrawn for 5 or more consecutive business days, we will charge an additional $5 Overdrawn Account Fee per day.

What if I want Citizens Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

Complete the form below and hit the Submit button or call 505-599-0182 Option 8 or print this form and deliver to any Citizens Bank branch location.

You may revoke your consent at any time.