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PRODUCTS and SERVICES
 

CLUB ACCOUNTS

ADVANTAGE CLUB ACCOUNT
checkmarkMinimum opening deposit - $50.00
checkmarkMonthly Maintenance Service Charge - $10.00

As a CITIZENS ADVANTAGE CLUB MEMBER you RECEIVE THE FOLLOWING BENEFITS:

  • No Minimum balance required
  • Free ID Theft Assistance
  • Free Mobile Banking
  • Free Online Banking
  • Unlimited Bill Payment
  • Debit Card (subject to approval)
  • Free Personalized Club Style Checks
  • Waived License Renewal Sticker Fee
    (for personal use cars and pickups)
  • 50% Discount on Basic Safe Deposit Box
  • Fee Free Money Orders and Cashiers Checks
    (up to 4 per month)
  • Free Photocopies (up to 10 per month)
  • Free Notary Services
  • Unlimited check-writing privileges

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PREFERRED 55 CLUB

checkmarkMinimum opening deposit - $100.00
checkmarkMembership Requirement - Age 55 and over
AS A PREFERRED 55 CLUB MEMBER YOU WILL RECEIVE THE FOLLOWING BENEFITS: 
  • No Monthly Maintenance Service Charge
  • Free Personalized Club Style Checks
  • Fee Free Money Orders and Cashiers Checks
    (up to 4 per month)
  • Free Photocopies (up to 10 copies per month)
  • Free Notary Service
  • Discounted Club Trips
  • Free Fax Service (up to 10 pages per month)

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CHECKING ACCOUNTS


PERSONAL CHECKING 

checkmark
Minimum opening deposit - $50.00 
 
Average Ledger Balance Monthly Maintenance Service Charge
$500.00 and over........................ $0.00
$0.00-  $499.99 ......................... $6.00

No charge for 40 checks written per month;
Each additional check 10˘

No Monthly Maintenance Service Charge if average collected balance is greater than or equal to $1,500.00 in a passbook savings account.
  • Monthly maintenance service charge waived if receiving e-statement

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SECOND CHANCE CHECKING

checkmarkMinimum opening deposit - $25.00
checkmarkMonthly maintenance service charge with direct deposit .................$8.00
checkmarkMonthly maintenance service charge without direct deposit ............$10.00

INTEREST BEARING ACCOUNTS

*All of Citizens Community Bank's interest bearing accounts are variable as defined by 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 yields, contact any one of our locations.

METHOD OF CALCULATION: 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 will begin to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks) into your account.

EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited you will receive the accrued interest.

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NOW ACCOUNT - PERSONAL
checkmarkMinimum opening deposit - $1,000.00
checkmarkUnlimited number of checks can be written.
checkmarkMonthly Maintenance Service Charge - $10.00

Collected Balance Annual Percentage Yield
and Interest Rate
$0.00 - $2,499.99 % *
$2,500.00 - $9,999.99  % *
$10,000.00 and over % *

To avoid a Monthly Maintenance Service Charge of $10.00, a minimum balance of $1,000.00 or an average collected balance of $2,000.00 must be maintained. Fees could reduce the earnings.

Compounding frequency - Interest will be compounded  monthly.
Crediting frequency - Interest will be credited into the account monthly.

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CITIZENS PREFERRED 55 NOW CLUB

checkmark Minimum opening deposit - $1,000.00
checkmark Membership Requirement - Age 55 and over
checkmark Unlimited number of checks can be written
checkmark Monthly Maintenance Service Charge - $10.00

AS A PREFERRED 55 CLUB MEMBER YOU WILL RECEIVE THE FOLLOWING BENEFITS:

  • Free Personalized Club Style Checks
  • Fee Free Money Orders and Cashiers Checks (up to 4 per month)
  • Free Photocopies (up to 10 copies per month)
  • Free Notary Service
  • Discounted Club Trips
  • Free Fax Service (up to 10 pages per month)
Collected Balance Annual Percentage Yield
and Interest Rate
$0.00 - $2,499.99 % *
$2,500.00 - $9,999.99  % *
$10,000.00 and over % *
  • To avoid a Monthly Maintenance Service Charge of $10.00, a minimum balance of $1,000.00 or an average collected balance of $2,000.00 must be maintained. Fees could reduce the earnings.

Compounding frequency - Interest will be compounded monthly.
Crediting frequency - Interest will be credited into the account monthly.

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Premium Money Market - Personal
checkmark
Minimum opening deposit $2,500.00
checkmarkMonthly Maintenance Service Charge - $15.00

Collected Balance Annual Percentage Yield
and Interest Rate 
$0.00 - $4,999.99  % *
$5,000.00 - $14,999.99 % *
$15,000.00 - $34,999.99 % *
$35,000.00 - $49,999.99 % *
$50,000.00 - $74,999.99 % *
$75,000.00 - $99,999.99 % *
$100,000.00 and over % *

Regulation restricts the total number of transactions or transfers to six per month or statement cycle. To avoid a Monthly Maintenance 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.

Additional charges are as follows: $10.00 per withdrawal in excess of six per statement cycle (including checks, ATM/ACH debits, telephone and online transfers)

Compounding frequency - Interest will be compounded monthly.
Crediting frequency - Interest will be credited into the account monthly.

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PASSBOOK SAVINGS
checkmark Minimum opening deposit - $50.00
checkmark Interest will be credited through the end of the calendar quarter.
checkmark Quarterly Maintenance Service Charge - $5.00

Collected Balance Annual Percentage Yield
and Interest Rate
$0.00 - $9,999.99 % *
$10,000.00 - $24,999.99 % *
$25,000.00 - $49,999.99 % *
$50,000.00 and over % *

Additional charges are as follows:
$3.00 per withdrawal in excess of four per month (including ATM and pre-authorized transfers). To avoid a Quarterly Maintenance Service Charge of $5.00, a minimum daily balance of $50.00 must be maintained for the monthly statement cycle. Fees could reduce the earnings. The quarterly maintenance service charge is waived for Minors up to age 22.

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CHRISTMAS CLUB

Minimum opening deposit - $5.00
Interest will be credited annually. The interest rate on you account will be equal to the interest rate paid on our lowest tier of the passbook savings account. No partial withdrawals are allowed. Early termination fee $10.00 Fees could reduce the earnings.

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. 

 

COMMON FEATURES

The following fees may be assessed against your account.
 

Returned Overdraft Items** $30.00
Paid Overdraft items**
     ** Paid and returned overdraft fee applies to
     
over-drafts created by check, in person
     withdrawals, or other electronic means,
     as applicable.
$30.00
Continuous Daily Overdraft Fee ***
     ***If an overdrawn account is not brought to a
     positive balance on the day the overdraft occurs,
     starting the next day a $5.00 per day fee will be
     assessed until enough funds are deposited to
     bring it back to a positive balance.
$5.00
Account activity printout $3.00
Account closed within 6 months of opening $25.00
Auto Transfer from Savings to Cover Overdraft $5.00
Cashiers Checks $6.00
Check Cashing (Non-customer) $10.00
Check Printing Fee (Fee depends on style of checks ordered)
Coin Counting - Non-customer $10.00
Coin Disbursements (Non-customers) $5.00
Collection Item - Incoming and Outgoing
 
$20.00
Debit Card PIN Replacement Fee $5.00
Debit Card Replacement Fee $10.00
Dormant Checking Account (Inactive one year) $10.00 per month
Dormant Savings Account (Inactive two years) $10.00 per month
Garnishments and Levies $120.00
Hold Statements $3.00 per month
Indemnity Bond $10.00
Notary Service $1.00
Personal Money Orders $4.00
Photocopies (per page) $1.00
Repeat Calls for Overdrafts $5.00
Research Copies $4.00 each
Research-Per Hour $110.00
Stop Payment Orders/Renewals $30.00
Telephone Transfers $2.00
Two Signatures Required $10.00 per month
Wire Transfer - Incoming $20.00
Wire Transfer - Out of USA $50.00
Wire Transfer - Outgoing $25.00

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CONSUMER BANKING PRODUCTS and SERVICES

  ADVANTAGE
CLUB ACCOUNT
PERSONAL
CHECKING
SECOND
CHANCE
CHECKING
NOW
ACCOUNT
PERSONAL
PREFERRED
55 CLUB
CITIZENS
PREFERRED
55 NOW CLUB
PREMIUM
MONEY MARKET
PERSONAL
SERVICES
MINIMUM
OPENING DEPOSIT
$50.00 $50.00 $25.00 $1,000.00 $100.00 $1,000.00 $2,500.00
MONTHLY
MAINTENANCE
SERVICE CHARGE
$10.00 $6.00 $10.00 OR
$8.00 With
Direct Deposit
$10.00 NA $10.00 $15.00
ABILITY TO
WAIVE
MONTHLY
MAINTENANCE
SERVICE CHARGE
NO YES NO YES Must be
 age 55
or older
Must be
 age 55
or older
YES
YES
MINIMUM BALANCE
TO AVOID MONTHLY
MAINTENANCE
SERVICE
CHARGE
NA $500.00
Or collected
balance of $1500
in Passbook Savings
or receive e-statement
NA $1,000,00
or average
collected balance
of $2000.00
NA $1,000,00
or average
collected balance
of $2000.00
$2,500.00
or average
collected balance
of $3000.00
FREE ID THEFT
ASSISTANCE
checkmark NA NA NA NA NA NA
FREE MOBILE
BANKING
checkmark $2.00 per month $2.00 per month $2.00 per month $2.00 per month $2.00 per month $2.00 per month
FREE ONLINE
BANKING
checkmark checkmark checkmark checkmark checkmark checkmark checkmark
UNLIMITED BILL PAYMENTS checkmark checkmark checkmark checkmark checkmark checkmark checkmark
DEBIT CARD * checkmark checkmark checkmark checkmark checkmark checkmark checkmark
INTEREST ** NA NA NA checkmark NA checkmark checkmark
UNLIMITED
# OF CHECKS & ELECTRONIC
 ITEMS
checkmark FIRST
40
FREE
PER MONTH
checkmark checkmark checkmark checkmark $10.00 per
withdrawal in
excess of 6 per
statement cycle
FREE PERSONALIZED
CLUB STYLE CHECKS
checkmark NA NA NA checkmark checkmark NA
DISCOUNTED
CLUB TRIPS
NA NA NA NA checkmark checkmark NA
DISCOUNT ON SAFE
DEPOSIT BOX
checkmark NA NA NA NA NA NA
FEE FREE
MONEY ORDERS
AND CASHIERS
CHECKS ***
checkmark NA NA NA checkmark checkmark NA
FREE PHOTO
COPIES ****
checkmark NA NA NA checkmark checkmark NA
FREE FAX SERVICE***** checkmark NA NA NA checkmark checkmark NA
WAIVED LICENSE RENEWAL STICKER
FEE
(for personal use cars & pickups)
checkmark NA NA NA NA NA NA
FREE NOTARY
SERVICES
checkmark NA NA NA checkmark checkmark NA

*SUBJECT TO APPROVAL
** TIERS ACCORDING TO BALANCE
*** UP TO 4 PER MONTH TOTAL
**** UP TO 10 COPIES PER MONTH
***** UP TO 10 PAGES PER MONTH

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