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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 Minimum opening
deposit - $50.00 |
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| No monthly maintenance service charge, no minimum balance required, no per-check charges and no limit on writing checks. |
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| Fees | |
| Paid/Returned NSF Items | $28.00 |
| Stop Payment/Renewals | $28.00 |
| Special Statements | $3.00 |
| 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 |
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:
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| Fees | |
| Paid/Returned NSF Items | $28.00 |
| Stop Payment/Renewals | $28.00 |
| Special Statements | $3.00 |
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:
|
| 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:
|
| Fees | |
| Paid/Returned NSF Items | $28.00 |
| Stop Payment/Renewals | $28.00 |
| Special Statements | $3.00 |
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:
*MasterCard Debit Cards are subject to approval. |
| Fees | |
| Paid/Returned NSF Items | $28.00 |
| Stop Payment/’Renewals | $28.00 |
| Special Statements | $3.00 |
CITIZENS CLUB ACCOUNT
Minimum opening deposit $50.00
Monthly Service Fee
$8.00
AS A CITIZENS CLUB MEMBER YOU RECEIVE THE FOLLOWING BENEFITS:
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| Fees | |
| Paid/Returned NSF Items | $28.00 |
| Stop Payment/’Renewals | $28.00 |
| Special Statements | $3.00 |
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:
|
| Fees | |
| Paid/Returned NSF Items | $28.00 |
| Stop Payment/Renewals | $28.00 |
| Special Statements | $3.00 |
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:
Other
|
| Fees | |
| Paid/Returned NSF Items | $28.00 |
| Stop Payment/Renewals | $28.00 |
| Special Statements | $3.00 |
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:
Other
|
| Fees | |
| Paid/Returned NSF Items | $28.00 |
| Stop Payment/Renewals | $28.00 |
| Special Statements | $3.00 |
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.
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* These interest rates are variable as defined in the Truth-in-Savings Regulation which means:
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The interest rate and annual percentage yield may change.
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The interest rate is determined at our discretion.
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The interest rate is subject to change at any time.
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There is no limit on how much the interest rate will change.
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To avoid the service charge of $3.00 per quarter, a minimum balance of $50.00 must be maintained. Fees could reduce the earnings.
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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.
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.
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The interest rate is subject to change at any time.
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There is no limit on how much the interest rate will change.
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Fees could reduce the earnings.
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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.
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.
| 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 |
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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 |
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