Checking
We offer several convenient checking account options to help you manage your money.
All Citizens Bank and Trust checking accounts offer these great benefits FREE of charge:
- FREE Unlimited Check Writing
- FREE NetAccess Internet Banking
- FREE Master Money Debit Card
- FREE CheckFree Bill Pay Service
- FREE EasyAccess, 24 hour Automated Phone System
- FREE access to all Citizens Bank and Trust ATM’s
- FREE Notary Service
- ATM withdrawals or transfers at all Pulse, Pulse Pay, Plus and Cirrus ATM Network locations
- Designated Savings Overdraft Protection
Freedom Checking
Enjoy freedom from account maintenance fees and minimum balances with unlimited transactions.
Community Club Checking
- Accidental Death Insurance* and Dismemberment Insurance*
- Identity Fraud Expense Reimbursement Coverage**
- Cash Back Member Rewards
- Gas/Gift Card Discounts
- FREE Personalized Club design checks (limit 500 per year)
- No fee cashier checks and money orders
- First year Safe Deposit Box discount
Club Gold
The account with benefits for individuals 50 years and better. Club Gold checking is an interest-bearing account.
Benefits include:
- Earns Interest
- Notary Service
- FREE Personalized Club design checks (limit 500 per year)
- No fee cashier checks and money orders
- First year Safe Deposit Box Discount
ID Protection Plus
The checking account designed to maximize convenience and protect against identity theft and fraud.
- $10,000 Identity Theft Insurance Reimbursement Service**
- 3-in-1 Credit File Monitoring
- Unlimited Access to your Equifax Credit Report
- FREE Personalized checks (limit 500 per year)
NOW Account
For the customer looking for an interest-bearing checking account, the NOW Account works like a checking account while earning interest like a savings account.
NOTE: There are certain restrictions on this account. Please see a customer service representative for eligibility. This account is not available for corporations.
Special Program Notes
*The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Insurance products are not insured by FDIC or any Federal Government Agency. Insurance products are not a deposit of or guaranteed by the bank or any bank affiliate.
**Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford CT 06183. coverage for all claims or looses depends on actual policy provisions. Availability of coverage can depend on our underwriting qualification and state regulations.
***See ID Protection Plus brochure for more information on the benefit and features of this account.