Savings
Minor Savings*
Help your children save with a Minor Savings account. No limit on deposits and the account features special deposit tickets just for kids.
- Opening balance $0.01
- No account maintenance fees
- Quarterly statements
- 3 free withdrawals per quarter (additional withdrawals are $2 per withdrawal)
- Accounts closed within 90 days of opening date are charged a $10 closing fee
- Interest accrues daily and is paid quarterly
*A minor is anyone under the age of 18 who has not been emancipated.
Regular Savings*
Saving for a new car or home? Or establishing an emergency fund? Set up automatic transfers from your Citizens checking account and rest assured that your savings goals are being met with our Regular Savings account.
- Opening balance $200
- Balances below $500 will be charged $5.00 maintenance fee per statement
- Quarterly statements
- 3 free withdrawals per quarter (additional withdrawals are $2 per withdrawal)
- Accounts closed within 90 days of opening date are charged a $10 closing fee
Christmas Club*
Are you dreaming of a white Christmas? Prepare for Christmas every month with a Christmas Club savings account. Have funds automatically transferred from another Citizens account and rest easy knowing it will be a wonderful holiday season.
- Opening balance $5.00
- Interest accrues daily and is paid at program end
- Checks are mailed during the first week in November
- Early withdrawals result in a loss of interest and a $10.00 service charge
- Fees could reduce earnings
*Regulatory limit for savings accounts are: up to 3 external debits/checks, up to 6 internal transfers, or up to 6 external/ internal combinations
Certificates of Deposit
Need a savings vehicle that offers a higher rate for a chosen term? Look no further than a Citizens Bank Certificate of Deposit (CD). Earn money market rates on terms ranging from 7 days to 5 years. When saving for a long-term goal, like a new house or car, a CD helps your money work for you.
Please contact us today for current rates and terms.
Individual Retirement Accounts (IRA)
Looking to grow a retirement nest egg? Consider a Citizens Bank IRA. Start building your financial future today by using a monthly automatic transfer from your Citizens checking account to your IRA to help meet your retirement goals. Various types of IRAs are available.
Please contact us today for current rates and terms.
Fee Schedule