It's time to get a checking account that gives more back. At Citizens Independent Bank, that means you choose the rewards you want – cash back or a high-yield interest rate. Unlock the power of a checking account tailored to you.
"Bank account" doesn't begin to describe these. Open one of our benefit-loaded checking accounts when you want to shake up your finances for the positive. Of course, you also get all the Digital Banking1 tools you need to manage money where and when you want.
Earn 5.00% APY on balances up to and including $25,000.
Earn 5.00% cash back on up to $200 in debit card purchases each month.
Get a straightforward secondary CIB account that lets you maintain any balance you want.
CIB Digital Tools & Everyday Benefits
Signature High Yield Checking and Signature Cash Back Checking gives you access to a full suite of services, at no extra cost:
These tools help keep your account secure, organized, and easy to manage- whether you’re at home or on the go.
*Please review your mobile carrier’s text messaging and internet policy. Charges may apply.
**First-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.
1Please review your mobile carrier’s text messaging and internet policy. Charges may apply.
Monthly Qualifications for Signature High Yield Checking & Signature Cash Back Checking: eStatement, 1- ACH Credit/Debit, 15 debit card transactions
2When your Signature High Yield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Signature High Yield Checking account earn an Annual Percentage Yield (APY) of 5.00%; and daily balances over $25,000 earn an APY of 0.25%, resulting in a blended APY between 5.00%-0.25% depending on the account's daily balance. Signature Saver balances up to $100,000 earn an APY of 3.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY between 3.00%-0.25% depending on the account's daily balance. APY rates effective as of 04/01/2026.
You will receive reimbursements of ATM fees up to $25 for ATM transactions incurred within your Signature High Yield Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: Signature Saver ATM transaction fees are not reimbursed.
When your Signature High Yield Checking qualifications are not met during a Monthly Qualification Cycle, the account balance in Signature High Yield Checking and Signature Saver will earn an APY of 0.05% and ATM withdrawal fees are not refunded.
Interest will be credited to your Signature High Yield Checking and Signature Saver account(s} on the last day of the current statement cycle. Rates are variable and may change after account is opened and without notice to you. Minimum opening deposit of $25 is required. Early closing fee of $10 if closed within 90 days and other fees may apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a banker for additional information.
Debit card transactions need to post and settle to the account during the cycle period. Please note that posting and settling of transactions may not occur on the same day the transaction is made, and there may be a delay before a transaction posts to your account.
3When Signature Cash Back Checking monthly qualifications are met during a Monthly Qualification Cycle, you will receive 5.0% cash back on the first $200 spent with the debit card; up to a maximum of $10 cash back payment per cycle. Signature Saver daily balances up to $100,000 earn an Annual Percentage Yield (APY) of 3.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY between 3.00%-0.25% depending on the account's daily balance. APY effective as of 04/01/2026.
You will receive reimbursements of ATM fees up to $25 for ATM transactions incurred within your Signature Cash back Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: Signature Saver ATM transaction fees are not reimbursed.
When your Signature Cash Back Checking account qualifications are not met during a Monthly Qualification Cycle, no cash back payments are made, ATM withdrawal fees are not refunded and Signature Saver will earn an APY of .05%.
Interest & Cash Back will be credited to your Signature Cash back Checking account and Saver account(s) on the last day of the current statement cycle. Rates are variable and may change after account is opened; rates may change without notice to you. Minimum opening deposit of $25 is required. Early closing fee of $10 if closed within 90 days and other fees may apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a banker for additional information.
Debit card transactions need to post and settle to the account during the cycle period. Please note that posting and settling of transactions may not occur on the same day the transaction is made, and there may be a delay before a transaction posts to your account.