Personal Checking Accounts

We have a variety of checking accounts, one that is sure to fit your lifestyle! All CIB Personal Checking Accounts include many exclusive features and benefits at no additional cost.

View or Print Account Comparison and Exclusive Features & Benefits PDF

All Checking Accounts Include:

Exclusive Features & Benefits  
 
 

Independent Checking - Our most popular account

  • Exclusive Features & Benefits (above)
  • Free eStatements with Check Images2, 3
  • $3.95 Monthly Service Charge (Minimum Opening Deposit: $25)

Fee waived if one of the following applies:

  • Monthly ACH deposits totaling $500 or more; OR
  • 10+ debit card transactions4 per statement cycle; OR
  • $500 minimum daily balance; OR
  • Primary account holder is 22 years of age or under

Apply Now

 

Citizens Checking - Earn interest on balances

  • Exclusive Features & Benefits (above)
  • Interest Bearing5
  • Free eStatements with Check Images2, 3
  • $11.95 Monthly Service Charge (Minimum Opening Deposit: $25)

Fee waived if one of the following applies:

  • 15+ debit card transactions4 per statement cycle; OR
  • $1,000 minimum daily balance; OR
  • An account holder is 62 years of age or over

Apply Now

 

Premier Checking

  Bonus Benefits
  • Exclusive Features & Benefits (above)
  • Tiered Interest Rates5
  • Free eStatements with Check Images
    or Paper Statement with Check Images
  • $19.95 Monthly Service Charge (Minimum Opening Deposit: $25)

Fee waived if one of the following applies:

  • $30,000 combined minimum deposit
    and/or outstanding loan balances6OR
  • $7,000 minimum daily balance
Waived bank fees for:

Apply Now

 

Related Products

 

 

1Your mobile carrier’s text messaging and internet charges may apply.
2Must self-enroll in eStatements within 30 days to avoid the paper statement fee.
3Monthly paper statement fee $1.95/month; Monthly images fee an additional $2.95/month.
4Posted debit card purchases only. ATM transactions excluded.
5Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank’s discretion. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.
6To calculate the combined balance we take the lowest daily balance(s) in your checking and/or savings accounts during the statement cycle plus the balance(s) of your CD’s and/or loans on the day your statement prints.
7ATM owner may assess fees.
8$30 annual fee. Based on credit approval. 18.00% Annual Percentage Rate. Minimum monthly payment of 5% of outstanding balance or $25, whichever is greater.
9One box of Specialty Lemon Checks per calendar year.
10First time CIB box holder. May upgrade to a larger box and pay the difference. A non-refundable lock transfer fee of $3 is required for all new rentals. There is a $250 drilling fee due to lost keys. A 10% charge is assessed on past due payments. Contents of safe deposit boxes are not FDIC insured.
11See the card application's Important Disclosures for current terms, rates, and fees. Credit cards are issued by TCM Bank, N.A. Subject to credit approval.
12A $9 transfer fee applies, limited to 6 transfers per month.