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Checking Accounts
For more information on accounts stop by any branch.
Checking AccountseFree CheckingEncore Checking*Premier Members Checking
Minimum Opening Deposit$0$50.00$100.00
Minimum balanceN/AN/AN/A
Interest PaidNoNoYes
Transaction LimitNoNoNo
Monthly Service ChargeNone$10 without Direct Deposit or $8 with Direct Deposit*Combined total deposit relationships of $10,000 waives the $5 monthly service charge
Other available features:
Visa debit cardXXX
eStatementsrequiredXX
Online Banking - Click here for more information requiredXX
Mobile Banking - Click here for more information XXX
expressPay - online bill pay serviceXXX
*This is our second chance account. If you maintain this account in the agreed upon manner for 18 months you can move to a free account.

Checking Accounts are considered dormant when there has been no activity for 6 months. Once dormant, the account is charged $2.00 per month if balance is less than $100.


eFree Checking Account
No monthly service charge.

No minimum balance.
Secure and convenient eStatements.

No foreign ATM fee assessed by Citizens Bank.

4 foreign ATM fees rebated per month.
Free internet banking, online bill pay and debit card.


Required: valid email address, internet banking and eStatements are required for the eFree account. If you do not sign up for and receive eStatements within 30 days of account opening, your account will be converted to a checking account that assesses a $3 monthly service charge if the collected balance falls below $800. This account does not receive ATM fee refunds.

Encore Checking
With our second chance account, you can:
Regain your financial strength.
Eliminate costly check cashing fees.
Unlimited check writing.
Free internet banking and bill pay.
Free debit card.
$10 per month maintenance charge or $8 with Direct Deposit.
If you maintain this account in the agreed upon manner for 18 months you can move to a free account.

Premier Members Checking Account
The best package account around!
Only $5 a month; however if you keep $10,000 in combined deposit relationships at Citizens Bank, the $5 charge is waived.

Minimum deposit to open account is $100.
ATM transaction fees apply.
Benefits include but are not limited to (see fulfillment flyer for full details):
Imaged checks returned with statement.
No minimum balance.
Unlimited check writing.
Personalized checks - two (2) single orders of checks per year.
Interest paid if minimum balance of $100 is maintained. (Rates subject to change at management’s discretion.)
Free TABS and Internet Banking.
Free Cashier’s Checks (limit 3).
50% Discount for Stop Payments.
50% Discount on Safe Deposit Box Rental (limit one box and subject to availability).
Free Photocopies (limit 10 per month).
Free Fax Machine Use (limit 3 per month).
Hotel and Motel Discounts.
$10,000 AD&D Insurance.
Identity IQ and Identity Theft 911
Prescription Drug Discounts.
Hearing Instruments Discounts.
Prescription Eyewear Discounts.
Group Travel opportunities detailed in Quarterly Newsletter.
Other discounts on Travel, Leisure and Shopping through Savings Made Easy (see fulfillment flyer for full details).