Citizens Community Bank offers an array of Personal Banking options for you.
Select the following account type from the list below for more information.

 

Citizens "Free" Checking Citizens Club Account
Citizens Plus Club Account Passbook Savings 
Personal Checking Money Market Accounts Personal
NOW Account Personal  Premium Money Market Account
Citizens Preferred 55 Club Citizens Reserve
Citizens Preferred 55  NOW Club Christmas Club
Loan Calculator  

 

Citizens "Free" Checking
Minimum opening deposit - $50.00 
.
No monthly maintenance service charge, no minimum balance required, no per-check charges and no limit on writing checks.
.
Fees
Paid/Returned NSF Items $28.00 
Stop Payment/Renewals $28.00
Special Statements $3.00

 top of page

 

PERSONAL CHECKING 
Minimum opening deposit - $50.00 
Average Collected Balance Monthly Service Fee 
$500.00 $0.00
$300.00 -  $499.99  $2.00
$100.00 -  $299.99 $4.00 
$ 0.00  - $ 99.99 $6.00

 

No charge for 40 written checks per month;
Each additional check 10 ¢ 
No monthly maintenance service charge if collected balance is greater than or equal to $1,500.00 in a passbook savings account. 

 

Fees
Paid/Returned NSF Items $28.00 
Stop Payment/Renewals $28.00 
Special Statements $3.00

top of page

 

 


  CITIZENS PREFERRED 55 CLUB 
Membership Requirement - Age 55 and over with a $100.00 Checking Deposit Relationship

AS A PREFERRED 55 CLUB MEMBER YOU WILL RECEIVE THE FOLLOWING BENEFITS: 
  • No Monthly Maintenance Service Charge
  • Personalized Club Checks
  • Money Orders (up to 4 per month)
  • Cashier’s Checks
  • Photocopies (up to 10 copies per month)
  • Notary Service 
  • Entertainment/Travel Arrangements
  • Fax Service 
  • Club Members will receive a discount on other styles of checks if the Personalized Club Checks are not ordered

 

Fees
Paid/Returned NSF Items $28.00 
Stop Payment/Renewals $28.00 
Special Statements $3.00 

top of page

 

 

 


CITIZENS PREFERRED 55 NOW CLUB
Membership Requirement - Age 55 and over with a $100.00 Checking Deposit Relationship
A minimum balance of $1,000.00 is required to open the account. 
Unlimited number of checks can be written.

AS A PREFERRED 55 CLUB MEMBER YOU WILL RECEIVE THE FOLLOWING BENEFITS: 
  • No Monthly Maintenance Service Charge
  • Personalized Club Checks
  • Money Orders (up to 4 per month)
  • Cashier’s Checks
  • Photocopies (up to 10 copies per month)
  • Notary Service 
  • Entertainment/Travel Arrangements
  • Fax Service
  • Interest is paid on the collected balance
  • Club Members will receive a discount on other styles of checks if the Personalized Club Checks are not ordered. 

 

Collected Balance Annual Percentage Yield
and Interest Rate
$0 - $2,499.99  %*
$2,500.00 -  $9,999.99 %*
$10,000.00 and over %*

 

* These Interest rates are variable as defined in the Truth-in-Savings Regulation which means:
  • The interest rate and annual percentage yield may change.
  • The interest rate is determined at our discretion. 
  • The interest rate is subject to change at any time. 
  • There is no limit on how much the interest rate will change. 
  • To avoid service charges of $10.00 per month a minimum balance of $1,000.00 or an average collected balance of $2,000.00 must be maintained. Fees could reduce the earnings.
  • To obtain the interest rates currently available and an explanation of the balance computation method for calculation of annual percentage yields, contact the bank. 

 

Fees
Paid/Returned NSF Items  $28.00 
Stop Payment/Renewals $28.00 
Special Statements $3.00 

top of page

 

 


CITIZENS PLUS CLUB ACCOUNT
Minimum opening deposit $50.00 
Monthly Service Fee $10.00

The Citizens Plus Club Account is a checking account that has all of the benefits of the Citizens Club Account "PLUS" added features that offer more conveniences and cost saving options for you our busy customer.

The benefits include free online banking and Bill Pay which allows you to access your accounts 24 hours a day 7 days a week.

As an added benefit for our Plus Club members, we will waive the fee for the first four foreign ATM withdrawals per month that you make from your account.

The Citizens Plus Club Account offers 14 cost saving and time saving features.

THEY INCLUDE:
  • Free Personalized Club Style Checks
  • 50% Discount on Basic Safe Deposit Boxes
  • $10,000 Accidental Death & Dismemberment Insurance (this insurance is not a deposit, not FDIC insured and is not insured or guaranteed by the bank or any federal government agency)
  • Fee Free Money Orders & Cashiers Checks (Up to 4 per month)
  • Free Photocopies (up to 10 per month)
  • Free Notary Services
  • Waived License Renewal Sticker Fee (for cars & pickups)
  • Unlimited check-writing privileges
  • Access to your accounts 24/7
  • Free Online Banking
  • Unlimited Bill Payment
  • ATM Card or MasterCard Debit Card with no monthly fee*
  • Service charge waived for using another bank's ATM***
  • Overdraft protection available**

*MasterCard Debit Cards are subject to approval.
**Overdraft protection is subject to approval.
***Limit of four free non-Citizens ATM transactions per month (other banks may still assess surcharges).

 

Fees
Paid/Returned NSF Items $28.00 
Stop Payment/’Renewals $28.00 
Special Statements $3.00

top of page


CITIZENS CLUB ACCOUNT
Minimum opening deposit $50.00 
Monthly Service Fee $8.00 

AS A CITIZENS CLUB MEMBER YOU RECEIVE THE FOLLOWING BENEFITS:
  • Free Personalized Club Style Checks (Club Members will receive a discount on other styles of checks if the Personalized Club Checks are not ordered).
  • $10,000 Accidental Death & Dismemberment Insurance (this insurance is not a deposit, not FDIC insured and is not insured or guaranteed by the bank or any federal government agency)
  • Unlimited Number of Checks can be written
  • 50% Discount on Basic Safe Deposit Box
  • Money Orders: up to four a month
  • Cashiers Check
  • Photocopies (up to 10 per month)
  • Notary Service
  • Waived License Renewal Sticker Fee (for cars & pickups)

 

Fees
Paid/Returned NSF Items $28.00 
Stop Payment/’Renewals $28.00 
Special Statements $3.00

top of page

 



NOW ACCOUNT PERSONAL
Minimum Opening Deposit $1,000.00
Unlimited number of checks can be written. 
Interest is paid on the collected balance

Collected Balance Annual Percentage Yield
and Interest Rate
$0 - $2,499.99 % *
$2,500.00 - $9,999.99  % *
$10,000.00 and over % *

 

* These interest rates are variable as defined in the Truth-in-Savings Regulation which means: 
  • The interest rate and annual percentage yield may change. 
  • The interest rate is determined at our discretion. 
  • The interest rate is subject to change at any time. 
  • There is no limit on how much the interest rate will change. 
  • To avoid service charges of $10.00 per month, a minimum balance of $1,000.00 or an average collected balance of $2,000.00 must be maintained. Fees could reduce the earnings.
  • To obtain the interest rates currently available and an explanation of the balance computation method for calculation of annual percentage yields, contact the bank.

 

Fees  
Paid/Returned NSF Items $28.00 
Stop Payment/Renewals $28.00 
Special Statements $3.00

 top of page

 

 


MONEY MARKET ACCOUNTS PERSONAL
Minimum Opening Deposit $1,000.00

Collected Balance Annual Percentage Yield
and Interest Rate 
$0 - $2,499.99  % *
$2,500.00 - $24,999.99 % *
$25,000.00 - $49,999.99 % *
$50,000.00 and over % *

 

* These Interest rates are variable as defined in the Truth-in-Savings Regulation which means: 
  • The interest rate and annual percentage yield may change. 
  • The interest rate is determined at our discretion.
  • The interest rate is subject to change at any time.
  • There is no limit on how much the interest rate will change.
  • To obtain the interest rates currently available and an explanation of the balance computation method for calculation of annual percentage yield, contact the bank personally. 

Other

  • Regulation restricts the total number of transactions or transfers to six per month or statement cycle. 
  • To avoid service charges of $10.00 per month, a minimum balance of $1,000.00 or an average collected balance of $2,000.00 must be maintained.  Fees could reduce the earnings.
  • Additional charges are as follows: 
    $5.00 per check cleared in excess of three per month 
    $5.00 per withdrawal in excess of six per month (including ATM/ACH debits)
  • To obtain the interest rates currently available and an explanation of the balance computation method for calculation of annual percentage yield, contact the bank personally.

 

Fees  
Paid/Returned NSF Items $28.00 
Stop Payment/Renewals $28.00 
Special Statements $3.00


top of page

 

 


Premium Money Market Account
Minimum Opening Deposit $2,500.00

Collected Balance Annual Percentage Yield
and Interest Rate 
$0 - $4,999.99  % *
$5,000.00 - $14,999.99 % *
$15,000.00 - $34,999.99 % *
$35,000.00 - $49,999.99 % *
$50,000.00 - $99,999.99 % *
$100,000.00 and over % *

 

* These Interest rates are variable as defined in the Truth-in-Savings Regulation which means: 
  • The interest rate and annual percentage yield may change. 
  • The interest rate is determined at our discretion.
  • The interest rate is subject to change at any time.
  • There is no limit on how much the interest rate will change.
  • To obtain the interest rates currently available and an explanation of the balance computation method for calculation of annual percentage yield, contact the bank personally. 

Other

  • To avoid a service charge of $15.00 per month, a minimum balance of $2,500.00 or an average collected balance of $3,000.00 must be maintained. Fees could reduce the earnings.
  • Regulation restricts the total number of transactions or transfers to six per month or statement cycle. 
  • Additional charges are as follows: 
    $10.00 per check cleared in excess of three per statement cycle.
    $10.00 per withdrawal in excess of six per statement cycle (including ATM/ACH debits) 

 

Fees  
Paid/Returned NSF Items $28.00 
Stop Payment/Renewals $28.00 
Special Statements $3.00

 

top of page

 

 


PASSBOOK SAVINGS
Minimum opening deposit - $50.00
Interest will be credited through the end of the calendar quarter.
Excess of 4 withdrawals per month -$3.00 each withdrawal 
    (Including ATM & preauthorized transfers.)

The quarterly service fee is waived for Minors up to age 22 and Not-for-profit organizations. 

Collected Balance Annual Percentage Yield
and Interest Rate
$0 - $9,999.99 %*
$10,000.00 - $24,999.99 %*
$25,000.00 - $49,999.99 %*
$50,000.00 and over %*

* These interest rates are variable as defined in the Truth-in-Savings Regulation which means:

  • The interest rate and annual percentage yield may change.

  • The interest rate is determined at our discretion.

  • The interest rate is subject to change at any time.

  • There is no limit on how much the interest rate will change.

  • To avoid the service charge of $3.00 per quarter, a minimum balance of $50.00 must be maintained. Fees could reduce the earnings.

  • To obtain the interest rates currently available and an explanation of the balance computation method for calculation of annual percentage yields, contact the bank personally.

 

top of page

 

 


CHRISTMAS CLUB

A Christmas Savings Plan can be opened for $5.00 - $10.00 - $20.00 - $25.00 - $50.00. The payments can be made weekly, bi-weekly or monthly to correspond with your pay periods. We also offer a transfer option that will automatically move money from your checking to your Christmas Club on a prearranged date. A check for the balance plus your interest will be paid out in October.

Interest will be credited annually
No partial withdrawals allowed.
Early termination fee $10.00 

* The interest rate on your account will be equal to the interest rate paid on our lowest tier of the passbook savings accounts.

* These interest rates are variable as defined in the Truth-in-Savings Regulation which means:

  • The interest rate and annual percentage yield may change.

  • The interest rate is determined at our discretion.

  • The interest rate is subject to change at any time.

  • There is no limit on how much the interest rate will change.

  • Fees could reduce the earnings.

  • To obtain the interest rates currently available and an explanation of the balance computation method for calculation of annual percentage yields, contact the bank personally.

top of page

 

 


CITIZENS RESERVE
Automatic checking overdraft protection
   A line of credit is available, as needed, up to a pre-approved limit. 
   (Credit qualification and restrictions apply.) 
   Contact us for an application.

top of page

 

 

 

MISCELLANEOUS FEES

NSF (Returned) items $28.00
Paid Overdraft items $28.00
Continuous Daily Overdraft Fee $5.00
Stop Payment Orders/Renewals $28.00 
Special Statement $ 3.00 
Check Printing fee
Fee depends on style of checks ordered
Check cashing (non-customer) $10.00
Personal Money Orders $4.00
Cashier Checks $6.00 
Wire Transfer - outgoing $25.00
Wire Transfer - incoming $20.00
Wire Transfer - Out of Country $50.00
Collection item - incoming and outgoing $20.00
Notary Service $1.00
Photocopies $1.00
Research time per hour
Research copies ($4.00 each)
$90.00 
Coin Counting - Non customer $10.00 
Dormant Checking & Savings Accounts - (Inactive four years) $5.00 per month
Auto Transfer from Savings to Cover Overdraft $5.00
Repeat Calls for Overdrafts $5.00
Garnishments & Levies $100.00
Telephone Transfers $2.00
Coin Disbursements (non-customer) $5.00
License Sticker Fees $5.50
Green Medallion Signature Guarantee $30.00 non-customer

top of page


personal banking  ||  business banking  ||  internet banking
hours & locations  ||  deposit rates  ||  contact us  ||  privacy/security  ||  email us  ||  home