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.

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»   $5,000.00   $10.00*   Yes**   Inquire  

Gold Club Checking

Special account for our Gold Club members!

Features

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. At age 25, the account will automatically be converted to an Independently Free checking 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

e-Statements

Turn your paper statement into an e-statement with the click of a mouse. Log in to your Online Banking account to enroll for this free service

Mobile Banking

Do your banking anytime, anywhere from your mobile phone. It’s free! Log in to your Online Banking account to get started.

Instant Cash & Check Card with Rewards

A CIB Instant Cash & Check card can be used to withdraw cash or anywhere Visa is accepted. It works just like your checkbook, only it's faster, easier and more convenient than writing a check. The best part? The funds are automatically deducted from your checking account.
Check Card Rewards
Earn points every time you make a purchase with your CIB Instant Cash & Check Card! Points can be redeemed for merchandise, travel and event tickets. It's free and you are automatically enrolled when you open and activate your CIB Instant Cash & Check Card. Start earning points today! Get Started!

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.
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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 combined minimum balance of $5,000 in your checking and other deposit accounts, including savings and CDs.

**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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