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Personal Checking

Freedom Checking

  • Opening balance $100
  • Monthly maintenance fee of $3.00 will be assessed if the average balances fall below $800.00
  • Unlimited transactions

Community Club Checking

  • Opening balance $100
  • Monthly fee of $9 
  • Seniors (age 50 & greater) can enjoy this account for $5 a month
  • $10,000 Accidental Death & Dismemberment Insurance
  • $20,000 Scheduled Airline Insurance
  • $5,000 Identity Fraud Expense Reimbursement Coverage*
  • Gas & Gift Card Discounts
  • Cash Back Member Rewards
  • Free personalized club checks (limit 500 per year)
  • Free Master Money Debit Card
  • Free access to CheckFree Bill Pay Service
  • No fee cashiers checks, money orders and notary service
  • First year safe deposit box discount

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Community Club Checking Plus

  • Opening balance $100
  • Monthly fee of $11
  • Seniors (age 50 & greater) can enjoy this account for $5 a month
  • Receive all of the benefits of Community Club Checking, PLUS additional insurance coverage
  • $20,000 Accidental Death & Dismemberment Insurance
  • $1,500 Coverage for each dependent child
  • $100,000 Scheduled Airline Insurance

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Club Gold

  • Opening balance $100
  • A $10 monthly fee will be assessed if
  • balances fall below $4,000 Club Gold,
  • or $4,000 in other Citizens checking,
  • or $2,000 in savings,
  • or $6,000 in savings/CDs
  • Free personalized checks (limit 500 per year)
  • No fee cashiers checks, money orders, and notary service
  • First year safe deposit box discount

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ID Protection Plus

  • Opening balance $100
  • Monthly fee $3
  • 10,000 Identity Theft Insurance*, reimbursement service with fraud assistance** through a Fraud resolution service
  • 3-in-1 Credit File Monitoring** to help you protect your identity
    • As part of this benefit you will also receive unlimited online access to your Equifax Credit Report™
  • ID Network Safety Services
  • Toll-free telephone access to consumer fraud specialists, should you become a victim of identity theft
  • Free personalized checks (limit 500 per year)

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NOW Account

  • Opening balance $2,000
  • Interest bearing checking 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.

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Progressive Checking

  • A savings vehicle with money market rates accessible by check or debit card
  • Opening balance $15,000
  • Earns money market interest rates, tiered based on balance
  • $15.00 per month maintenance fee assessed if balance drops below $15,000
  • $15.00 charge will be assessed for each transaction that exceeds the regulatory limits below:
    • Up to 6 external/internal transaction combinations

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*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 losses depends on actual policy provisions.  Availability of coverage can depend on our underwriting qualifications and state regulations. Your new insurance Description of Coverage is enclosed.


**Credit file monitoring services are provided through Equifax Credit Watch™ Gold. Equifax, Equifax Credit Report, and Equifax Credit Watch are trademarks of Equifax Inc. Equifax's credit monitoring products are protected under U.S. Patent No. 7,208,052. Members will have unlimited online access to their Equifax Credit Report™.



Insurance products:

Not insured by FDIC or any Federal Government Agency

Not a deposit of or guaranteed by the bank or any bank affiliate

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