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Citizens Bank Website

Checking Options

Whether you prefer a basic account or a complete package of services, the right checking account is here for you!
Click the tabs below to view the different types of accounts.

  • ADVANTAGE CLUB
  • NOW
    CHECKING
  • SUPER NOW CHECKING
  • REGULAR CHECKING
  • VARSITY CHECKING
  • HORIZONS CHECKING
  • FREE
    CHECKING

Description: No charge for check printing and other benefits, with a low monthly fee.
Balance to avoid service fees: N/A
Monthly service fee: $7.00 flat monthly fee
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card

Other Features

  • Free personalized checks
  • Free notary service
  • $5.00 annual discount on Safe Deposit Box rental

Description: Earn a competitive interest rate with no monthly fee if your minimum balance is maintained.
Balance to avoid service fees: $900
Monthly service fee: $10.00 if minimum balance is below $900
Interest: All balances earn interest at same rate. Paid monthly

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card
No Monthly Fees

Description: All the benefits of Now Checking with a higher interest rate available. The larger your balance the higher your interest.
Balance to avoid service fees: $2,500
Monthly service fee: $10.00 if minimum balance is below $2,500
Interest: All balances earn interest at a variable rate based on account balance. Paid monthly.

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card
No Monthly Fees

Description: Get your checks back with $100 minimum balance.
Balance to avoid service fees: $100
Monthly service fee: $5.00 monthly fee plus 15ยข per debit if minimum is below $100
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing

Other Features

  • Checks returned monthly
  • $100 minimum balance to open
  • Check/debit card available

Description: Show your school spirit with our uniquely designed school logo checks or choose your own design.
Balance to avoid service fees: N/A
Monthly service fee: Free to High School and full-time college students through age 23
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card

Description: Free checking designed for customers age 62 and better.
Balance to avoid service fees: N/A
Monthly service fee: N/A
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card

Description: Checking with no minimum balance, no monthly service charge, and we store your checks for you.
Balance to avoid service fees: N/A
Monthly service fee: N/A
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing
Free Check Storage Other Features

  • $100 minimum balance to open
  • Check/debit card available


Savings Services



  • PASSBOOK SAVINGS
  • MONEY MARKET ACCOUNT
  • INVESTOR SAVINGS
  • CERTIFICATES OF DEPOSIT

Description: Savings with no minimum balance, no monthly service charges.
Balance to avoid service fees: N/A
Monthly service fee: N/A
Interest: All balances earn interest at the same rate. Paid quarterly.

Description: All the benefits of a Passbook Savings with higher interest rates available.
Balance to avoid service fees: $2,500
Monthly service fee: $10.00 if minimum balance is below $2,500
Interest: All balances earn interest at a variable rate based on account balance. Paid monthly.

Description: All the benefits of a Passbook Savings with higher interest rates available.
Balance to avoid service fees: $10,000
Monthly service fee: $10.00 if minimum balance is below $10,000
Interest: All balances earn interest at a variable rate based on account balance. Paid monthly.

Description: Earn a competitive interest rate for the term of your Certificate of Deposit. The First State Bank offers a variety of CD terms from 3 months to 4 years, contact us for current rates.