Personal Savings

Simple Savings

• Minimum amount to open $25.
• Monthly service charge of only $5 if the daily balance in the account falls below $100.
• Transactions are limited to 6 debits per month, a $3 per item fee for additional transactions.^*
• Variable Rate: Your interest rate and annual percentage yield may change.
• Interest compounded monthly and credited monthly.

**Withdrawal limitations: Regulation permits no more than six (6) combined withdrawals and/or transfers per month by means of a pre-authorized or automatic transfer (e.g., automatic payments to an insurance company), drafts, telephone or online transfers. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are not limited by regulation.

Certificates of Deposit (CD)

A CD is an account offered to depositors who agree to keep their money in the account for a specified amount of time in exchange for a specified interest rate.

Features

• $1,000 Minimum Opening Deposit
• Terms starting at 182 days
• Contact Us for our current rates

Penalty assessed for early withdrawals.

Money Market Checking

Money Market Checking is an exceptional account for anyone who is looking to earn interest on their balance without tying up your money long term.

• Minimum to open $25.
• Monthly service charge of only $10 if the daily balance in the account falls below $2,000.
• Transactions are limited to 6 debits per month to Third Parties, a $10 per item fee for additional transactions.^*
• Variable Rate: Your interest rate and annual percentage yield may change.
• Interest will be compounded monthly and credited monthly

**Withdrawal limitations: Regulation permits no more than six (6) combined withdrawals and/or transfers per month by means of a pre-authorized or automatic transfer (e.g., automatic payments to an insurance company), drafts, telephone or online transfers. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are not limited by regulation.

Individual Retirement Accounts

An IRA is an account offered to depositors for retirement purposes. The account is set up for a specified amount of time with a specified rate.

Features

• $100 Minimum Opening Deposit
• Terms starting at 182 days
• Contact Us for our current rates

Penalty assessed for early withdrawals.

Christmas Club

The Citizens Bank Christmas Club accounts are designed to help our customers save in time for Christmas. This account is intended to make deposits throughout the year with funds available in October.

• Minimum amount to open $5.
• No monthly service charge.
• $3 per withdrawal fee for early withdrawal of funds.^*

**Withdrawal limitations: Regulation permits no more than six (6) combined withdrawals and/or transfers per month by means of a pre-authorized or automatic transfer (e.g., automatic payments to an insurance company), drafts, telephone or online transfers. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are not limited by regulation.