When you make Citizens Independent Bank your primary bank, we make your everyday checking work harder. Signature High Yield Checking combines the simplicity of a free checking account with the opportunity to earn one of the most competitive rates available—up to 5.00% APY* on your balance.
Signature High Yield Checking is designed for customers who actively use their checking account for everyday spending, deposits, and money management. Using secure debit card transactions, electronic deposits, and digital statements helps keep routine activity efficient and protected—while minimizing paper handling and fraud risk.
That efficiency allows Citizens Independent Bank to offer a higher interest rate, rewarding you with guaranteed earnings on your balance rather than points that depend on spending habits or shifting program rules.
Complete the Relationship with Signature Saver, designed to work hand‑in‑hand with your Signature Checking account.
Because the requirements to earn rewards on checking also qualify Signature Saver, adding savings becomes effortless. There’s no additional activity to manage — just a smart way to grow funds automatically as part of your everyday banking routine.
With Signature Saver linked, surplus funds can move automatically between accounts—helping you earn strong returns without locking money away. It’s a simple way to make interest earnings more consistent while keeping everyday checking flexible.
Earning the full 5.00% APY* is straightforward and built around everyday usage. During each monthly qualification cycle, just:
Make at least 15 debit card purchases
Complete at least 1 direct deposit, or ACH transaction
Receive your statements electronically with eStatements
That’s it. These activities typically happen when an account is used as your primary checking relationship. If a cycle is missed, the account remains free and you’re eligible to earn the full rewards again the very next cycle.
Designed to Reward the Way You Bank
Using your debit card for everyday purchases is one of the simplest ways to keep your account active and earning. Whether you’re buying groceries, filling up the tank, dining out, or shopping online, your CIB Debit Mastercard® is designed to make payments fast, easy, and secure.
Every transaction is supported by fraud monitoring, and you can set up real‑time alerts to stay informed about card activity. Adding your debit card to a digital wallet provides an extra layer of protection, keeping your card number private while allowing you to tap, pay online, or check out in‑app with confidence.
These everyday debit transactions help unlock the higher rate on Signature High Yield Checking—turning normal spending into a straightforward way to earn more, without changing how you manage your finances.
A Different Kind of Reward Than Credit Cards
Most credit card rewards only apply to what you spend—and can lose value over time as programs change. Signature High Yield Checking works differently. By earning up to 5.00% APY* on balances up to $25,000, this account rewards the money you already have on deposit. For many customers, the interest earned each month exceeds the value of typical credit card rewards—without tracking points, categories, or redemption rules.
CIB Digital Tools & Everyday Benefits
Signature High Yield 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.
1Please review your mobile carrier’s text messaging and internet policy. Charges may apply.
2First-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.
*When 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.