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Personal Accounts

Select a Product below:

Simply Checking

A non-interest bearing checking account designed for basic checking activity.

  • $100 minimum opening deposit required
  • Balance fee of $5 if the average daily balance falls below $500 during the monthly statement cycle
  • Free Internet Banking
  • Free Citizens On Call
  • Free Online E-Statements
  • Free Internet Bill Pay 

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Relationship Checking

An interest bearing checking account designed for account holders with multiple accounts.

  • $2,000 minimum opening deposit required
  • Basic fee of $20 if the combined balance between your Checking, Savings, Certificate of Deposit or Money Market account falls below $2,000 on any day of the monthly statement cycle
  • Free Internet Banking
  • Free Citizens On Call
  • Free Online E-Statments
  • Free Internet Bill Pay

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Liquid E-Checking

An electronic based, interest bearing checking account designed for account holders with high balances and the liquidity of a checking account.

  • $5,000 minimum opening deposit required
  • Balance fee of $20 if the balance falls below $5,000 on any day of the monthly statement cycle
  • Free Internet Banking & Bill Pay
  • Free Online E-Statements
  • Free Citizens On Call

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Personal Money Market Account

  • $2,500 minimum opening deposit required
  • Balance fee of $15 if balance falls below $2,500 on any day of the monthly statement cycle
  • Transfers to another account, or to third parties by preauthorized, automatic, or telephone transfer are limited to (6) per statement cycle with no more than (6) by check, draft or similar order to third parties
  • Unlimited withdrawals in person
  • An item fee of $10 per item will be assessed for any withdrawl item(s) in excess of (6) per monthly statement cycle

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 Personal Savings Account

  • $100 minimum opening deposit required
  • Balance fee of $5 if balance falls below $300 on any day of the monthly statement cycle

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Youth Savings Account

  • Must be age 18 or under
  • $25 minimum opening deposit required
  • Balance fee of $5 if balance falls below $25 on any day of the monthly statement cycle

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