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

Personal Checking

Checking Accounts

Freedom Checking

  • Opening balance $100
  • Monthly maintenance fee of $5 will be assessed if average collected balance falls below $1,000.00
  • Unlimited transactions
  • Credits: 25 Debit Card swipes posted during the statement cycle reduces the monthly maintenance fee by $2

High School Checking

  • Great starter account for teens aged 13 – 17 with adult co-owner
  • Opening balance $100
  • Monthly maintenance fee of $2
  • Teens learn how to manage money with their own debit card and mobile banking service
  • No checks or overdraft privilege on this account
  • Parents with online or mobile banking can review activity and transfer money as needed

Community Club/Plus

  • Opening balance $100
  • Monthly maintenance fee of $9 for Community Club, $11 for Community Club Plus and $5 for seniors’ accounts · Accidental Death Insurance and Common Carrier Insurance
  • Free personalized club design checks (limit 500 per year)
  • No fee for cashier's checks and money orders
  • First year safe deposit box discount
  • Gas & gift card discounts
  • Cash back membership rewards

ID Protection Plus

  • Opening balance of $100
  • Monthly maintenance fee of $3
  • $10,000 Identity Theft Insurance, reimbursement service with fraud assistance through a fraud resolution service
  • ID Network Safety Services
  • Payment Card Protection
  • Free personalized checks (limit 500 per year)
♦ 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 government agency.

Smart Checking Account

  • Opening balance $1,000
  • Interest bearing checking account
  • Interest is compounded monthly and credited monthly
  • No fee with a daily minimum ledger balance of $1,000 or more
    • If daily minimum ledger balance falls below $1,000, a $10 monthly maintenance fee will be assessed