Personal Savings Accounts

At Citizens Bank & Trust, we offer a variety of personal savings accounts based on your financial goals. Whether saving for a specific need, or a special event, Citizens Bank & Trust is here to help you reach your personal financial goals with confidence. Our Online Banking and Mobile Banking App offer 24/7 access to your accounts.

To get started, simply explore our personal savings account features and benefits below. Once you determine the account that best fits your needs, click the appropriate button below to open a new account. We also invite you to visit one of our conveniently located offices where a customer service team member is ready to guide you in the decision-making process.

All products, services, fees and terms outlined below are subject to change. Please refer to your New Account Agreement, Truth in Savings Disclosure, and Schedule of Fees for further information, including Federal and State rules and regulations.

Deposit and loan products are offered by Citizens Bank & Trust, Member FDIC and Equal Housing Lender

OPEN A NEW ACCOUNT TODAY!

Already Applied? Click Here To Check Your Application Status.

Please Note: In an effort to keep your personal information confidential, we will not store information entered into any of the above applications after the application has been inactive for more than 10 minutes, so please plan accordingly when you are completing an application.

We offer several different accounts, however, not all accounts mentioned are eligible to be opened online. If your preferred account type is not available to be opened online, we invite you to visit one of our offices where a customer service team member can assist you in this process. Accounts are subject to approval.

REGULAR SAVINGS⁷

MINOR SAVINGS⁷ (Minor must be under 18 years of age)

MONEY MARKET ACCOUNT⁷

MONEY MARKET PLUS⁷ ACCOUNT

CERTIFICATE OF DEPOSIT or INDIVIDUAL RETIREMENT ACCOUNT^{8, 9, 12}

MINIMUM TO OPEN: $1,000

ACCOUNT FEATURES: Your choice of several fixed rates and terms.

Our New Account Agreement, Truth in Savings Disclosure, and Schedule of Fees provide further information regarding rates, tiers, terms, eligibility requirements, restrictions, early withdrawal penalties, overdrafts, interest, and other information, including Federal and State rules and regulations.

Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties by the Internal Revenue Service (IRS). See your tax advisor and Plan Disclosure for more information.

Note: Savings accounts may be linked to an active Checking or Money Market Account Debit Card (for ATM access).

Revision 11/2023

*Online Banking enrollment is required for e-statements. A preference must be selected under the Statements setting to enroll/change.

Disclosures

(1) CB&T is used as an abbreviation for Citizens Bank & Trust.

(2) IDProtect® Service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. See New Account Agreement and Welcome Kit for further details and information.

(3) Cellular Telephone Protection - Insurance is offered through the company named on the certificate of insurance. Cellular telephone bill must be paid through this account to be eligible for benefits. Please see Guide to Benefit for additional details regarding eligibility, terms and exclusions.

Insurance products: are not a deposit, are not FDIC insured, are not insured by any federal governmental agency, are not guaranteed by the bank or any bank affiliate.

(4) ATM usage fees may be incurred for each transaction, including balance inquiries, when you use your CB&T debit card at Non-CB&T ATMs. Additional ATM usage fees may be charged at Non-CB&T ATMs by the ATM Owner. (See New Account Disclosures and Schedule of Fees for additional details.)

Premium Plan Checking Accounts Only - No ATM usage fees for use at CB&T or Non-CB&T ATMs.

(5) Overdraft Item Fee of $34 per item paid/returned. CONSUMERS ONLY: A maximum of $204 per account/day in fees for paid/returned overdraft items. Accounts will not be charged for overdrafts resulting in a negative balance of $3.00 or less.

An Overdraft may occur by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM withdrawals and one-time debit card transactions will only be paid if you have signed an Opt-in Agreement. Even then, whether your overdraft(s) will be paid is discretionary and we reserve the right not to pay.

(6) We do not provide insurance coverage for the contents of Safe Deposit Boxes, nor are the contents insured by the Federal Deposit Insurance Corporation (FDIC). You may, at your own expense, secure your own insurance.

(7) Online Banking enrollment is required for E-Statements. Enrollment is free and can be set through Online Banking or by using the Mobile Banking App. A month Paper Statement Fee will apply if you do not complete the set-up process, or if you cancel your E-Statement at any time.

(8) Upon request, the Paper Statement Fee will be waived for customers age 65 or older.

(9) In accordance with Regulation D, CB&T reserves the right to require seven (7) days written notice before you withdraw money from your account.

(10) All account interest is calculated using the Daily Balance Method, which applies a daily periodic rate to the principal in the account each day.

Account interest is then compounded and credited as follows:

Premium Plan Checking & Money Market Accounts: Interest is compounded and credited monthly.
Savings Accounts: Interest is compounded and credited quarterly.
Certificates of Deposit and IRAs: Interest is compounded and credited monthly. Interest rates on these accounts are fixed until maturity.

Interest rates and Annual Percentage Yields (APYs) may change from time to time at our discretion, without notice. See New Account Agreement, or contact any of our local offices for details and information pertaining to current rates, tiers, terms and penalties.

(11) Penalties may be imposed for early withdrawal. See New Account Agreements for details. In accordance with Federal Regulation D, withdrawals within six (6) days of the date of deposit are subject to a required early withdrawal penalty of at least seven (7) days simple interest on the amount withdrawn.

Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service (IRS). See your tax advisor for additional information.

Please refer to the Consumer New Account Agreement for further details.

(12) Online Banking registration, an active U.S. checking or savings account, valid social security number, and a valid email address or U.S. mobile number, is required to use Zelle®. Your mobile carrier’s message and data rates may apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

(13) Credit offers are subject to credit and underwriting approvals, and may be subject to appraisal, insurance, loan-to-value and other qualifications and requirements. Interest rates, program terms, fees and conditions are subject to change without notice. Other restrictions may apply. See Lender for details.

(14) The minimum age of primary account holder is 13 for this account. In addition, a parent or legal guardian (age 18 or older) must be a joint account holder when the primary owner is under the age of 17. Maximum age of primary account owner eligibility is 21. At age 22, Citizens First Checking account will be converted to a Citizens Green account.

(15) Additionally, we offer Non-FDIC insured IRA investment accounts through our Trust Department and our Citizens Financial Group Affiliate.

Deposit and loan products are offered by Citizens Bank & Trust, Member FDIC and Equal Housing Lender