Checking Accounts
Free Citizens Checking
Senior Checking
Interest on Checking
Money Market Account
Money Market Plus
Advantage Plan Checking
Premium Plan Checking
Free Citizens Checking
- $50 to open
- Write unlimited checks
- No minimum balance
- No monthly fee
- Free Debit Card
- Free Internet Banking with Bill Pay
- Free first order of basic checks
- Free first year safe deposit box rental
- Eligible for Overdraft Privilege
Citizens Senior
- $100 to open
- Must be 50 years of age or older
- No minimum balance requirement
- One (1) box of basic wallet style checks free annually
- Free Cashiers Checks
- Free Money Orders
- Free Notary Service
- Free 3"x5" safe deposit box for one year
- Free Internet Banking with Bill Pay
Interest on Checking
(Includes sole proprietorship and non-profit organizations)
- $1,000 to open
- $1,000 minimum daily balance OR $2,000 average daily balance OR $8.00 monthly fee
- Earns interest
Money Market
(personal and business)
- $2,500 to open
- $2,500 minimum daily balance OR $5.00 monthly fee
- Earns interest
- Limited to 6 transactions per month (not to exceed 3 checks per month, additional checks $2.00 each)
- Automatic or telephone transfers and preauthorized withdrawals by checks, drafts, ATM or debit card or other similar transactions are limited to 6 per monthly statement cycle. Additional transactions are $2.00 each.
Money Market Plus
(personal and business)
- $10,000 to open
- $10,000 minimum daily balance OR $8.00 monthly fee
- Tiered interest rates
- Limited to 6 transactions per monthly statement cycle. Additional transactions are $2.00 each.
- Automatic or telephone transfers and preauthorized withdrawals by checks, drafts, ATM or debit card or other similar transactions are limited to 6 per monthly statement cycle. Additional transactions are $2.00 each.
Advantage Plan Checking
- $2,500 daily aggregate balance in any Citizens Bank and Trust deposit account2 or $10.00 monthly fee
- Non-interest bearing checking account
- Free basic wallet style checks
- Free Notary Service
- Discounted loan rates
- Free Internet Banking with Bill Pay
Premium Plan Checking
- Customer must maintain one of the following:
- $5,000 daily aggregate balance in any Citizens Bank and Trust (CBT) deposit account2 OR
- Any trust account with the CBT Trust Department OR
- Any CBT Line of Credit loan account OR
- Any other CBT loan account with a $15,000 minimum outstanding balance
- If at least one of the above requirements are not met, a $12.00 monthly fee will be charged
- Interest bearing checking account
- Free Premium Plan checks
- Free Cashiers Checks
- Free Money Orders
- Free Notary Service
- No annual fee for first year on VISA or MasterCard for qualified customers
- No fee on travelers checks (single signature)
- Free 3"x5" safe deposit box for one year
- Free ATM usage on Star and Plus networks3
- Discounted loan rates
- Free Internet Banking with Bill Pay
1 If an ACH Direct Deposit is initiated after account opening, it is the responsibility of the customer to notify Citizens Bank and Trust in order to receive free account and free checks.
2 Checking, Savings, Money Market or Certificate of Deposit
3 Owner of ATM may still charge fee.
For more information, call or visit your local branch office.
