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*Under the USA Patriot Act Section 326, banks are required to obtain certain verifying information about customers. Please refer to our home page or privacy policy page for details about what information will be required to open a new account with us. |
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| Money Market | - to top |
| The more you save, the more you earn! Our
money market account earns a variable interest rate and annual
percentage yield on the daily principal balance. Funds continue to grow
more rapidly because interest is compounded and credited each monthly
statement cycle. Higher account balances also enjoy higher yields. The
account features a minimum opening deposit of $2000.00. If the daily
balance should fall below $2000 during a statement cycle, a small
service charge of $10.00 (plus applicable state sales tax) will be
applied. Reward yourself with flexibility of funds that grow with you!
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| EZ Saver Account | - to top |
 We have made saving a little easier by
automatically doing it each month for you! Have as little as $10 a month
transferred from your Citizens checking account into this savings
account and you'll earn our best savings rate. This account has a low
minimum balance requirement of $50 and you'll earn interest when you maintain a
minimum average daily balance of $50. If your daily balance
should drop below the monthly minimum, there is a $3.00 service charge
(plus tax) per statement cycle. It's an ideal way to save for
vacations, home improvements, college expenses, property taxes, whatever
is in your plans. You choose the date(s) and amount(s) transferred.
Relax and watch your funds grow!
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| Statement Savings Account | - to top |
| A low minimum savings account that offers
interest and more! By maintaining a minimum average daily balance of
$200, you begin to earn a competitive, variable interest rate and annual
percentage yield. Funds grow faster by having interest compounded and
credited each monthly statement cycle. Those 18 years of age or younger,
or a full-time student age 23 or younger, enjoy a no minimum balance
requirement. The account remains attractive to those over 18 because the
service charge of $3.00 only applies when the account balance goes
below $200 any day of the cycle. All enjoy the convenience of three
withdrawals each month from their account. We make it easy for funds to
increase by also offering systematic direct deposits from your various
sources--a great way to grow over time.
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| Christmas Club | - to top |
| Enjoy convenience with systematic savings.
We offer a variety of payment amounts and can even do them automatically
from your Citizens checking or savings account. If a withdrawal from
this account is necessary before the disbursement date in November, the
account may be closed. BONUS If you make 49 consecutive and timely weekly deposits of the same amount to your club account, then we will make the 50th deposit of that amount for you!
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| Commercial Accounts | - to top |
| We offer a
complete array of business accounts that are tailored to fit your
specific needs. Whether you're starting your own personal business, or
wanting to open a new franchise store in town, we're here to help.
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Equal
Housing Lender
