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Citizens Checking

Earn competitive interest while enjoying the convenience of free digital banking services and surcharge-free ATMs.

Key Features

  • Competitive Interest1
  • Surcharge-Free ATM Access
  • Discounts on Loans
  • Free Digital Banking3

CIB Exclusive Features & Benefits

Personal CIB Exclusive Features & Benefits

  • Checking that earns competitive interest1
  • $11.95 monthly service charge
  • Fee waived if one of the following applies:
    • 15+ debit card transactions2per statement cycle; or
    • $1,000 minimum daily balance; or
    • An account holder is 62 years of age or over
  • Text/email account alerts3
  • Discount on loans with automatic debit
  • Person-to-Person (P2P) payments available
  • Overdraft protection available:
    • Automatically transfer funds from savings to cover overdrafts4
    • Convenience creditline of credit (subject to approval)
  • Free Mastercard® debit card
  • Free eStatements with images6, 7
  • Free digital banking, including mobile banking and digital wallet3
  • Safe deposit box included for first year only (5” x 3”, 1 per account)8
  • Free telephone banking (TeleBANK)  
  • Surcharge-free ATMs available
  • $25 minimum deposit to open

1Interest 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.

2Posted debit card purchases only. ATM transactions excluded.

3Your mobile carrier's text messaging and internet charges may apply.

4A $9 transfer fee applies, limited to 6 transfers per month.

5$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.

6Must self-enroll in eStatements within 30 days to avoid the paper statement fee.

7Monthly paper statement fee $1.95/month; monthly images fee an additional $2.95/month.

8First-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.