• COMMON FEATURES - Fees that may be assessed against your account.

PRODUCTS and SERVICES
 

CLUB ACCOUNTS

ADVANTAGE CLUB ACCOUNT
Minimum opening deposit - $50.00
Monthly 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 - total)
• Free Photocopies (up to 10 per month)
• Free Notary Services
• Unlimited check-writing privileges

 

PREFERRED 55 CLUB

Minimum opening deposit - $100.00
Membership 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 total)
• Free Photocopies (up to 10 copies per month)
• Free Notary Service
• Discounted Club Trips
• Free Fax Service (up to 10 pages per month)

PERSONAL CHECKING  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 debits per month;
Each additional debit 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

 

SECOND CHANCE CHECKING

Minimum opening deposit - $25.00
Monthly maintenance service charge with direct deposit .................$8.00
Monthly 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 begins to accrue on the business day you deposit non-cash items (for example, checks.)

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

NOW ACCOUNT - PERSONAL
Minimum opening deposit - $1,000.00
Unlimited number of checks can be written.

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 service fee 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.

 

CITIZENS PREFERRED 55 NOW CLUB

Minimum opening deposit - $1,000.00
Membership 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 total)
• Free Photocopies (up to 10 copies per month)
• Free Notary Service
• Discounted Club Trips
• Free Fax Service (up to 10 pages per month)
• Unlimited number of checks can be written

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 service fee 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.

 

Premium Money Market - Personal
Minimum opening deposit $2,500.00

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 service charges 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.

 

PASSBOOK SAVINGS
Minimum opening deposit - $50.00
Interest will be credited through the end of the calendar quarter.

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 $5.00 quarterly service charge, a minimum collected balance of $50.00 must be maintained. Fees could reduce the earnings. The quarterly service fee is waived for Minors up to age 22.

 

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
Stop Payment Orders/Renewals	$30.00
Account activity printout	$3.00
Account closed within 6 months of opening	$25.00
Debit Card Replacement Fee	$10.00
Debit Card PIN Replacement Fee	$5.00
Hold Statements	$3.00 per month
Two Signatures Required	$10.00 per month
Indemnity Bond	$10.00
Check Printing Fee	(Fee depends on style of checks ordered)
Check Cashing (Non-customer)	$10.00
Cashiers Checks	$6.00
Personal Money Orders	$4.00
Wire Transfer - Outgoing	$25.00
Wire Transfer - Incoming	$20.00
Wire Transfer - Out of USA	$50.00
Collection Item - Incoming and Outgoing	$20.00
Notary Service	$1.00
Photocopies (per page)	$1.00
Research-Per Hour	$110.00
Research Copies	$4.00 each
Coin Counting - Non-customer	$10.00
Dormant Checking Account (Inactive one year)	$10.00 per month
Dormant Savings Account (Inactive two years)	$10.00 per month
Auto Transfer from Savings to Cover Overdraft	$5.00
Repeat Calls for Overdrafts	$5.00
Garnishments and Levies	$120.00
Telephone Transfers	$2.00
Coin Disbursements (Non-customers)	$5.00