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 ATM withdrawals or transfers at all Pulse, Pulse Pay, Plus and Cirrus ATM Network locations
- Designated Savings Overdraft Protection
- FREE Notary Service
Freedom Checking
Enjoy freedom from account maintenance fees and minimum balances with unlimited transactions.
Club Checking
The platinum standard in checking. In addition to unlimited transactions, Club Checking includes:
- Accidental Death Insurance* and Common Carrier Insurance*
- FREE Personalized Club design checks (limit 500 per year)
- No fee Travelers Checks, cashier checks and money orders
- Bonus travel services luggage protection
- Key ring protection, date reminder, asset organizer
- Credit card protection service
- Saver's Club & Choice Coupon Memberships
- 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
- Seminars and Social Activities
- FREE Personalized Club design checks (limit 500 per year)
- No fee Travelers Checks, 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.
ID Protection Plus benefits include:
- $10,000 Identity Theft Insurance** Reimbursement Service
- Fraud Assistance***through a Fraud Resolution Service
- ID Network Safety Services
- Payment Card Protection
- 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
*Accidental Death Insurance & Common Carrier Insurance is offered by Affinion Benefits Group and is underwritten by Hartford Life Insurance Company. A portion of the monthly membership dues, if applicable, will be used to pay the insurance premium to the plan administrator. As a member, you’ll automatically receive new benefits as they are added to your program. Coverage is divided equally among co-owners of joint accounts. The 24-hour Accidental Death and Dismemberment Insurance benefit t reduces by half at age 70. The Dismemberment Coverage is paid as a percentage of the 24-hour coverage. The insurance offered is not a deposit, not FDIC insured, not guaranteed by the Financial Institution, and not insured by a government agency.
**Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the summary for complete details of coverage, limitations, and exclusions. The insurance offered is not a deposit, not FDIC insured, not guaranteed by the Financial Institution, and not insured by a government agency.
***See ID Protection Plus brochure for more information on the benefit and features of this account.