ONLINE BANKING

 

Mobile Banking

You're on the go more than ever. Now you can access your accounts wherever you are. Mobile Banking is smart, simple, secure, and free!

Personal Savings & CDs

Advantage Savings Account

Simplicity, value and convenience with no minimum balance - This basic savings account can be opened with just $100. Comes with…

  • Free Online Banking (NetTeller)
  • Free E-statements
  • Free Mobile Banking and Text Alerts (Standard message and data rates may apply)
  • Free Automated Telephone Banking
  • Free direct deposit
  • Unlimited deposits and in-person withdrawals
Account Type Advantage Savings
Minimum balance to open $100
Minimum balance to avoid fees* $100
Tiered interest rates earned based on daily account balance

Interest accrued daily and credited to the account monthly

Yes
Free ATM Card

ATM transactions free at any Citizens Bank ATM. $2.00 fee applies to transactions done at an ATM owned by another financial institution.

Yes
Checks available No

*If balance falls below $100 at any time during the monthly statement cycle, a $1 fee will be assessed on the last day of the cycle. If balance falls below $100 and has not been used for a period of one year or more, the account will be assessed a $6.00 inactive fee each quarter. This inactivity fee is charged quarterly on January 1, April 1, July 1 and October 1, except on custodial accounts.

Note: Federal Reserve Regulation D limits the total number of withdrawals made by check and telephone, online banking and overdraft protection, as well as preauthorized withdrawals (including card based purchases, automatic transfers and wire transfers) to six (6) per calendar month for savings and money market accounts.

Money Market Account

Put higher balances to work and earn interest at a higher rate, while still enjoying easy access to your money - Open your account with $1,000 or more and enjoy these benefits:

  • Higher interest rates as your savings grow
  • Free E-statements
  • Free Mobile Banking and Text Alerts (Standard message and data rates may apply)
  • Free Automated Telephone Banking
  • Free direct deposit
  • Unlimited deposits and in-person withdrawals
  • Free convenience checks for added access (federal check limits apply)
  • FDIC insurance up to the full legal limit
Account Type Money Market Savings
Minimum balance to open $1,000
Minimum balance to avoid fees* $1,000

($10 per month if not maintained)
Tiered interest rates earned based on daily account balance

Interest accrued daily and credited to the account monthly

Yes
Free ATM Card

ATM transactions free at any Citizens Bank ATM. $2.00 fee applies to transactions done at an ATM owned by another financial institution.

No
Checks Available Yes
- for free!

*If balance falls below $100 and has not been used for a period of one year or more, the account will be assessed a $6.00 inactive fee. This fee is charged quarterly on January 1, April 1, July 1 and October 1, except on custodial accounts.

Note: Federal Reserve Regulation D limits the total number of withdrawals made by check and telephone, online banking and overdraft protection, as well as preauthorized withdrawals (including card based purchases, automatic transfers and wire transfers) to six (6) per calendar month for savings and money market accounts.

Fixed Term CDs

A Certificates of Deposit (CD) earns a fixed rate of return over a set time – Choose from terms between 3 and 48 months and earn a competitive rate to help you maximize your savings.

Account Type Opening Balance Early Withdrawal Penalty
8-Month CD Special $5,000 3 months interest
15-Month CD Special $5,000 6 months interest
3-Month $1,000 3 months interest
6-Month $1,000 3 months interest
12-Month $1,000 3 months interest
24-Month $1,000 12 months interest
36-Month $1,000 12 months interest
48-Month $1,000 12 months interest
  • Tiered interest rates based upon balance
  • Interest is credited to the account monthly on the same day as the initial deposit. Other payment methods available upon request.
    • Interest paid quarterly or semi-annually
    • Interest direct deposited to another account at any financial institution
  • Interest can be withdrawn penalty free once it has been credited to the account at any time during the term.
  • Withdrawals, other than interest, are subject to an early withdrawal penalty
  • On the day of maturity, the CD automatically renews for another term at the rate in effect at that time
  • Additional deposits or withdrawals can be made at maturity or within 10 calendar days after maturity

Flexible Add-On CD

The Flexible Add-On CD’s low minimum balance allows you to start benefitting from CD rates with as little as $250. You can choose a term that works for you and make additional deposits anytime.

  • Low minimum deposit of $250 to open
  • Choose any term between 6 - 12 months
  • Fixed interest rate
  • Additional deposits of any amount can be made anytime in person or online
  • Interest is credited to the account monthly on the same day as the initial deposit
  • Withdrawals during the term are subject to a penalty of 3 months loss of earnings on amount withdrawn
  • Withdrawals can be made penalty free at maturity or within 10 calendar days after maturity
  • On the day of maturity, the CD automatically renews for another term at the rate in effect at that time