Personal Savings Accounts
Savings Account
Are you wanting to stash some money away for a rainy day? This may be the option for you! If you are under age 18, a full-time student age 23 or younger or in the military, we help you out by waiving the minimum account balance.
Summary
- $200 minimum monthly balance (waived for minors, full-time students 23 or younger, or those in the military)
- $3.00 monthly service charge if account falls below $200
- Free Mobile Banking
- Earns interest when minimum average daily balance of $200 is maintained.
- May withdraw money six times a monthly cycle with no fee.
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EZ Saver
Need help saving for a rainy day or maybe a special vacation or other occasion? Have at least $10 transferred automatically each month from any of your Citizens Bank checking accounts to this account. Some people do it each paycheck, you decide. It’s a great way to watch the balance grow over time and have the funds there when you need them!
Summary
- Have at least $10 a month transferred automatically from your checking account
- $50 minimum monthly balance
- $3.00 monthly service charge if account balance falls below $50
- Free Mobile Banking
- Earns interest when minimum average daily balance of $50 is maintained.
- May withdraw money six times a monthly cycle with no fee.
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Money Market Account
Have a higher balance of money to save but want access to it whenever needed? Our money market account may be just what you need!
Summary
- Funds are available anytime
- $2000 minimum monthly balance
- Interest earned on account balance
- $10 (plus tax) service charge if balance goes below $2000 during the month
- $3.00 monthly service charge if account balance falls below $50
- Free Mobile Banking
- May withdraw money six times a monthly cycle with no fee.
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Time Certificates
Looking for a better rate of return on your money? Open a time certificate here with as little as $1000. You decide how long you’d like to invest it for. Generally the longer term earns a higher rate of interest. There may be a substantial penalty for early withdrawal.
Summary
- $1000 minimum deposit
- Interest Rates and Annual Percentage Yields vary with amount invested
- Maturity terms range from 90 days to 60 months
- Interest compounded semi-annually and may be paid to the account, paid by check or deposited to a Citizens Bank checking or savings account
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Individual Retirement Account (IRA)
It’s never too early to start planning for the future. Start building toward a better tomorrow by opening an IRA today.
Summary
- Favorable interest rate
- Traditional and Roth plans available
- No annual fee
- No maturity term
- FDIC insured
