Savings Plans

Smart Savers for Kids

• Free to open
• No minimum balance
• Parent must sign for the account
• Parents must have a CBT Account
• Limited to six withdrawals per month free, then $1.00 per withdrawal

Regular Savings

(personal and business)

• $100 to open (excluding accounts for minors under age 18)
• $100 average daily balance OR $1.00 monthly fee (minor accounts excluded)
• Withdrawals or transfers from a Regular Savings account to another account or third parties are limited to three per month
• Limited to six withdrawals per month free, then $1.00 per withdrawal

Certificates of Deposit

$1,000 minimum required for all CD's

Certificates of Deposit are available in a wide range of terms to fit the individual needs of our customers. Current rates may be obtained by calling a member of our friendly customer service staff. For more information call or visit your local branch office.

Individual Retirement Accounts

We offer IRA accounts with various maturities on Certificates of Deposits. For more information, please contact your nearest Citizens Bank & Trust location. For more information call or visit your local branch office.