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We offer a variety of accounts to fit your needs and goals.


Free Checking

  • Minimum to open account - $100.00 
  • No monthly charge 
  • E-Statements only with this account

Citizens Checking

  • Minimum to open account - $100.00 
  • No monthly charge if daily balance is $500 or more. 
  • Check images returned with statement
  • Monthly $7.95 charge if minimum daily balance is less than $500.  No charge for first 25 debit transactions (check paid, withdrawal, automatic transfer or payment from account).  Additional debit transactions, $0.15 each.

NOW

  • Minimum to open account - $1500.00 Pays market rate of interest
  • No monthly charge if daily balance is $1,500 or more
  • Monthly $10.00 charge if minimum daily balance is less than $1,500.  No charge for first 25 debit transactions (check paid, withdrawal, automatic transfer or payment from account).  Additional debit transactions, $0.15 each.

Money Market

  • Minimum to open account - $1,500.00 
  • Pays market rate of interest
  • No monthly charge if average daily balance is $1,500 or more.  
  • No charge for first three debit transactions per month.  Additional debit transactions, $2.00 each. 
  • Account limited to 6 preauthorized transfers per month 
  • Unlimited in-house transactions 

Citizens Classic Club Account

  • Our most valuable interest bearing account for only $8.95 per month. 
  • No minimum balance 
  • Free personalized basic checks 
  • Free safe deposit box (for one year) 
  • Cashier's checks 
  • Hotel/motel discounts 
  • $10,000 accidental death and dismemberment and $20,000 common carrier policy 
  • Prescription drug discounts 

Citizens Classic Gold Club Account

  • If you are a customer 50 or better, you will receive all of the services of the Citizens Classic Club Account for only $4.95 per month.