Simple Checking
Once you’ve already secured your free Signature Checking, Simple Checking is a secondary option that gives you an easy, flexible way to manage your everyday finances with the tools you need to stay in control.
A Versatile, Everyday Checking Account with Convenient Access and Built-In Benefits.
Open your account with a $25 minimum deposit and get practical features that support your day-to-day money management. Citizens Independent Bank makes it simple for clients who want a second checking account paired with valuable perks, digital convenience, and the option to build financial independence over time.
Benefits
- Surcharge-free ATM access1.
- Discounts on loans with automatic debit.
- Free Digital Banking, including mobile banking and digital wallet2.
Pay Yourself First.
Set up automatic transfers in Online Banking or the CIB Mobile App to move money toward your savings goals on a schedule that works for you.
Details
- Versatile checking with a wide range of helpful features.
- $3.95 monthly service fee, waived with eStatements or if the primary account holder is 22 or under.
- No minimum balance requirement.
- Free eStatements with images3.
- Text and email account alerts2.
- Person-to-person (P2P) payments available.
- Overdraft protection options, including automatic transfers from savings.
- Convenience credit line available4 (subject to approval).
- Free debit Mastercard®.
- Free Telephone Banking (TeleBANK).
- Access to surcharge-free ATMs.
1ATM provider may charge.
2Your mobile carrier's text messaging and internet charges may apply.
3Paper statements available. Monthly image fee is an additional $2.95 for paper statements.
3Paper statements available. Monthly image fee is an additional $2.95 for paper statements.
4$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.
Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, early account closing, etc. may apply. See fee schedule for details.
We provide personal banking, business banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.