May 10, 2008

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Personal Checking

Checking Plans

Whether you write a lot of checks, or just a few, we have an account that’s right for you. Check out our full array of FDIC insured checking services. Plus, with any checking option, your first order of checks is free (styles and quantities vary).

Account Plans   More Info   Minimum Balance   Monthly Maintenance   Interest Earned   Inquire Now  
Independently Free Checking
Total checking with no minimum balance requirement  		 More»   N/A   N/A   No   Inquire  

Independently Free Checking

Total checking convenience with no minimum balance requirement!

Features

Other Options

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Regular Checking
A minimum balance account that gives you added value.  		 More»   $300.00   $4.00*   No   Inquire  

Regular Checking

A low minimum balance account that gives you added value

Features

Other Options

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NOW Checking
Earn a return on your checking balances  		 More»   $500.00   $10.00*   Yes**   Inquire  

NOW Checking

Earn a return on your checking balances.

Features

Other Options

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Interest Plus Checking
Earn a higher return with a higher minimum balance!  		 More»   $5,000.00   $20.00*   Yes**   Inquire  

Interest Plus Checking

An account that requires a higher minimum balance but earns a higher rate of interest.

Features

Other Options

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Citizens Gold Club Checking
A special account for our Gold Club members!  		 More»   $1,000.00   $10.00*   Yes**   Inquire  

Gold Club Checking

Special account for our Gold Club members!

Features

  • Free Gold Club checks
  • Unlimited check writing
  • Monthly imaged statements
  • ATM/Instant Cash & Check Card with no annual fee
  • Free online banking
  • TeleBANK (free telephone banking, 24 hour account information)
  • Discount on installment loans with automatic debit
  • No annual fee Visa® or MasterCard® (credit approval required)
  • Free notary service, photocopies and more!

Other Options

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Senior Checking
Available for customers at least 55 years of age  		 More»   N/A   N/A   Yes**   Inquire  

Senior Checking

Available for customers at least 55 years of age.

Features

Other Options

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Student Checking
Perfect for high school seniors preparing to take that next step!  		 More»   N/A   N/A   No   Inquire  

Student Checking

Free account. Perfect for high school seniors preparing to take that next step! 

Features

If applicant is under 18, a parent or guardian is required as a joint-signer on the account. 

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The following guide is published by the FDIC to help teens get good grades in saving, spending and protecting their cash. This guide is available for your convenience in PDF format. (Requires Adobe Acrobat reader. Click Here to download free Acrobat Reader® viewing software).

Money Management for Teens

Switch Kit

Take a look at your current accounts, then take a look at Citizens. We have custom solutions to fit your unique needs. We can help you transfer your accounts to Citizens Independent Bank- hassle free!
Click here for our Switch Kit.

Convenience Credit with your checking account

Link a convenient line of credit (subject to qualification) to any Citizens checking account. Avoid overdraft fees. Sometimes life demands a back-up plan. Convenience Credit provides a safety net for your checking account in the event the account becomes overdrawn. There’s no fee for Convenience Credit, unless you use it!
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Savings Overdraft Protection with your checking account

Attach a CIB savings account to your checking account and avoid overdraft fees. If you're overdrawn, funds will automatically transfer from the savings to the checking.
A $7 transfer fee applies, limited to 6 preauthorized transfers per month.
Inquire Now

Reorder checks

Reorder checks from Deluxe Corporation.

Regular Checking: To avoid the $4 monthly service fee you must maintain a minimum balance of $300. If the balance falls below $300 during the month, the monthly fee is $4, plus $.25 per debit transaction.

NOW Checking: To avoid the $10 monthly service fee you must maintain a minimum balance of $500. If the balance falls below $500 during the month, the monthly fee is $10, plus $.20 per debit transaction.

Interest Plus Checking: To avoid the $20 monthly service fee you must maintain a minimum balance of $5,000. If the balance falls below $5,000 the default rate is the same as the NOW checking.

Gold Club Checking: To avoid the $10 monthly service fee you must maintain a minimum balance of $1,000.

**Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank’s discretion.

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