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Citizens Bank & Trust - A Community Bank - Since 1916 - Member FDIC

Business Services

Business Checking Accounts

 

Business Basics

 
  • Opening balance $100
  • No monthly maintenance fee if average collected balance is $3,000 or more
  • A monthly maintenance fee of $10 will be assessed if the average collected balance is less than $3,000
  • 200 transactions free per month (checks, debits, deposited items, deposits and credits)
  • $0.30 per item fee over 200
 

Active Commerce

 
  • Competitive earnings credit tied to average collected balance
  • Credit used to reduce monthly service charges and transaction fees
  • Opening balance $100
  • Monthly maintenance $10
  • Per debit charge $0.15
  • Deposited item charge $0.08
  • Earning credit $0.10 per $100
 

Regular Business Sole Proprietorship

 
  • Opening balance $100
  • Fees are based on average collected balance:
    • $700 or more – No service charge
    • $500 - $699 – $4/month o $300 - $499 – $6/month
    • $299 or less – $8/month
  • Unlimited free transactions

Money Market and Savings Accounts

 

Wealth Management Checking

 
  • Opening balance $15,000
  • Premier Money Market for high balance accounts
  • Earns competitive interest rates based on tiers extending to $1,000,000
  • Interest is compounded monthly and credited monthly
  • Monthly maintenance fee of $25 assessed if daily minimum ledger balance drops below $15,000 at any time during the month
  • $25 fee assessed for each transaction that exceeds regulatory limits.
♦ Regulatory limits allow 6 pre-authorized withdrawals (POS/Checks/ACH/Transfer) per 4 week or similar period. Fees will be assessed once limits are exceeded.
 

Progressive Account

 
  • Opening balance $15,000
  • Earns money market interest rates, tiered based on balance
  • Interest is compounded monthly and credited monthly
  • Monthly maintenance fee of $15 assessed if daily minimum ledger balance drops below $15,000 at any time during the month
  • $15 fee assessed for each transaction that exceeds the regulatory limits
♦ Regulatory limits allow 6 pre-authorized withdrawals (POS/Checks/ACH/Transfer) per 4 week or similar period. Fees will be assessed once limits are exceeded.

HI-FI Account

 
  • Opening balance $2,500
  • Interest is compounded monthly and credited monthly
  • Monthly maintenance fee of $5.00 assessed if daily minimum ledger balance drops below $2,500 at any time during the month
  • $9.50 charge will be assessed to all transactions that exceed regulatory limits
♦ Regulatory limits allow 6 pre-authorized withdrawals (POS/Checks/ACH/Transfer) per 4 week or similar period. Fees will be assessed once limits are exceeded.

Savings

 

Regular Savings

 
  • Opening balance $200
  • Quarterly statements
  • 3 free withdrawals per quarter ($2 for each additional)
  • Minimum ledger balance below $500 will be assessed a $5 maintenance fee per statement
  • $10 fee on accounts closed within 90 days of opening
  • Interest is compounded quarterly and credited quarterly.
♦ Regulatory limits allow 6 pre-authorized withdrawals (POS/Checks/ACH/Transfer) per 4 week or similar period