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Personal Savings Accounts

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. Explore the many savings account options available to you; then contact your nearest Citizens Bank & Trust office to begin moving toward the financial independence you desire.

REGULAR SAVINGS

MINIMUM TO OPEN: $100

MONTHLY FEE : $1.00 or avoid the fee by maintaining a $100 Average Daily Balance

STATEMENT OPTIONS: Paper Copy or Electronic (E-Statement)1

TRANSFER/WITHDRAWAL LIMITS: $1 Fee for each withdrawal/transfer2, which exceeds 18 per quarterly statement cycle

ACCOUNT FEATURES & BENEFITS:

  • Earns Interest3
  • Online Banking
  • Mobile Banking with Mobile Check Deposit Feature4

SMART SAVERS FOR KIDS6 (Minor must be under 18 years of age)

MINIMUM TO OPEN: $0

MONTHLY FEE : $0

STATEMENT OPTIONS: Paper Copy or Electronic (E-Statement)1

TRANSFER/WITHDRAWAL LIMITS: $1 Fee for each withdrawal/transfer2, which exceeds 18 per quarterly statement cycle

ACCOUNT FEATURES & BENEFITS:

  • Earns Interest3
  • Online Banking
  • Mobile Banking with Mobile Check Deposit Feature4

CHRISTMAS CLUB SAVINGS

MINIMUM TO OPEN: $0

MONTHLY FEE: $0

STATEMENT OPTIONS: Paper Copy or Electronic (E-Statement)1

TRANSFER/WITHDRAWAL LIMITS: $1 Fee for each withdrawal/transfer2, which exceeds 18 per quarterly statement cycle

ACCOUNT FEATURES & BENEFITS:

  • Earns Interest3
  • Online Banking
  • Mobile Banking with Mobile Check Deposit Feature4

MONEY MARKET ACCOUNT

MINIMUM TO OPEN: $2,500

MONTHLY FEE: $5.00 or avoid the fee by maintaining a $2,500 Minimum Daily Balance

STATEMENT OPTIONS: Paper Copy or Electronic (E-Statement)1

TRANSFER/WITHDRAWAL LIMITS: $2 Fee for each withdrawal/transfer2, which exceeds six (6) per monthly statement cycle

ACCOUNT FEATURES & BENEFITS:

  • Earns Interest3
  • Online Banking with Bill Pay Service4
  • Mobile Banking with Mobile Check Deposit Feature4
  • MasterCard® Debit Card5 with EMV Chip Technology

MONEY MARKET PLUS ACCOUNT

MINIMUM TO OPEN: $10,000

MONTHLY FEE: $8.00 or avoid the fee by maintaining a $10,000 Minimum Daily Balance

STATEMENT OPTIONS: Paper Copy or Electronic (E-Statement)1

TRANSFER/WITHDRAWAL LIMITS: $2 Fee for each withdrawal/transfer2, which exceeds six (6) per monthly statement cycle

ACCOUNT FEATURES & BENEFITS:

  • Earns Interest based on Tiered Rates3
  • Online Banking with Bill Pay Service4
  • Mobile Banking with Mobile Check Deposit Feature4
  • MasterCard® Debit Card5 with EMV Chip Technology

CERTIFICATE OF DEPOSIT or INDIVIDUAL RETIREMENT ACCOUNT

MINIMUM TO OPEN: $1,000

Penalties may be imposed for early withdrawals.

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. All products, services, fees and terms outlined above, may change from time to time, at our discretion, or due to changes in federal requirements.

Disclosures

CB&T refers to Citizens Bank & Trust.

See a Customer Service Representative, or refer to the New Account Agreements, Truth in Savings Disclosures, and Schedule of Fees, for further details, rates, tiers, terms, eligibility requirements, restrictions, early withdrawal penalties, overdrafts, interest, and other information, including Federal and State rules and regulations.

1 Electronic Statements require enrollment in CB&T’s Online Banking Service. PDF Format is required to access online statements.

2 Per Regulation D, the Depositor is limited to six (6) allowable withdrawals or transfers from the account per month without incurring an excessive withdrawal fee and/or penalty.

3 Account interest is calculated using the Daily Balance Method, which applies a daily periodic rate to the principal in the account each day.

4 Online Banking Bill Pay Service, and Mobile Banking Features, require enrollment in Online Banking. Mobile Check Deposit feature may not be available on all platforms. Your internet service provider and/or mobile carrier's message and data rates may apply.

5 ATM fees may be incurred for each transaction, including balance inquiries, when using your CB&T ATM card at a Non-CB&T owned ATM. Additional fees may also be charged by the Owner of a Non-CB&T ATM.

6 Parent or Guardian of Minor must have an active CB&T account and be a signer on this account.

Revision Date 01/16/18

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.