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 |
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Independently Free CheckingTotal checking with no minimum balance requirement |
More» | N/A | N/A | No | Inquire |
Independently Free CheckingTotal checking convenience with no minimum balance requirement! Features
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Regular CheckingA minimum balance account that gives you added value. |
More» | $300.00 | $4.00* | No | Inquire |
Regular CheckingA low minimum balance account that gives you added value Features
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NOW CheckingEarn a return on your checking balances |
More» | $500.00 | $10.00* | Yes** | Inquire |
NOW CheckingEarn a return on your checking balances. Features
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Interest Plus CheckingEarn a higher return with a higher minimum balance! |
More» | $5,000.00 | $20.00* | Yes** | Inquire |
Interest Plus CheckingAn account that requires a higher minimum balance but earns a higher rate of interest. Features
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Citizens Gold Club CheckingA special account for our Gold Club members! |
More» | $5,000.00 | $10.00* | Yes** | Inquire |
Gold Club CheckingSpecial account for our Gold Club members! Features
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Senior CheckingAvailable for customers at least 55 years of age |
More» | N/A | N/A | Yes** | Inquire |
Senior CheckingAvailable for customers at least 55 years of age. Features
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Student CheckingPerfect for high school seniors preparing to take that next step! |
More» | N/A | N/A | No | Inquire |
Student CheckingFree 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. 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). |
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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.
Inquire Now
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.
At Your Service
Member FDIC | Equal Housing Lender
Member FDIC | Equal Housing Lender
