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Personal Checking

We offer several personal checking accounts for you to choose from. All of our accounts comes with free online access and free Bill Payments.

All Citizens Bank checking accounts include the following:


Free Citizens Express Debit Card

Free Text or Mobile Banking

Free ExpressNet Online Banking

Free secured eStatements

Free Unlimited ATM withdraws from CBT ATMs

Free Online
Bill Pay

Free Checking
Checking that lets you choose how and when to bank - in person, at ATMs, online or on your mobile phone. Basic checking that gets the job done.
  • Minimum opening deposit - $100.00
  • No minimum balance required
  • Service charge - $0
  • Unlimited transactions

 

The Club Checking Account
Join the club that has all the great features you'd expect from a checking account offering protection that gives you a peace of mind.
  • Minimum opening deposit - $100.00
  • No minimum balance required
  • Monthly membership fee $5.00 (individual); $7.00 (family)
  • Security Benefits - Learn More
  • Insurance Benefits - Learn More
  • Shopping Benefits - Learn More
  • Travel & Entertainment Benefits - Learn More
  • Health Benefits - Learn More
  • Free personalized checks
  • Unlimited transactions

Interest Checking
If you want to earn interest on your checking account balances then a NOW account is for you. Our NOW Checking Account pays you interest compounded monthly.
  • Minimum opening deposit - $100.00
  • Interest accrued daily and paid monthly
  • No service charge with balance of at least $500.00
  • Service charge - $5.00 per month (When balance falls below $500.00)
  • Unlimited check writing privileges
  • Imaged checks
  • Interest accrued daily and paid monthly
  • Unlimited transactions
  • Eligible for The Club Checking options
Tiered Performance Money Market
Citizens Bank offers various account alerts. Keep on top of your finances and reduce overdraft fees with notifications via email or text message.
  • Minimum opening deposit - $100.00
  • Tiered Interest - earns higher rates with higer balances

Super NOW Checking
Earn higher interest with higer balances. The Super NOW Checking Account is especially designed for customers who keep larger balances in their accounts.
  • Minimum opening deposit - $100.00
  • Maintain $2,500.00 balance to earn APY
  • No service charge with balance of at least $2,500.00
  • Service charge - $10.00 per month (When balance falls below $2,500.00 during statement cycle.
  • Balances below $2,500.00 will earn the NOW account rate.
  • Unlimited transactions
Lifestyle Checking
A checking account designed for Seniors who want value and more than a basic checking account.  Lifestyle Checking is exclusively for our most experienced banking customers, those over the age of 50 and receiving direct deposit.
  • Minimum opening deposit - $100.00
  • Imaged checks
  • Free personalized checks
  • No minimum balance requirement

Student Checking
A FREE checking account designed for students while attending high school and college.
  • Imaged checks
  • No minimum balance requirement