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

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 withdrawal limits.
♦ Withdrawal 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 withdrawal limits
♦ Withdrawal 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 withdrawal limits
♦ Withdrawal 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


Minor Savings


  • Opening balance $0.01
  • No account maintenance fees
  • Quarterly statements
  • 3 free withdrawals per quarter ($2 for each additional)
  • $10 fee on accounts closed within 90 days of opening
  • Interest is compounded quarterly and credited quarterly
♦ A minor is anyone under the age of 18 who has not been emancipated.

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

Christmas Club


  • Opening balance $5
  • Interest is compounded and credited the last Tuesday of October each year
  • Checks are mailed during first week in November
  • Early withdrawals result in a reduction of earnings and a $10 service charge
  • Fees could reduce earnings