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Checking Options and Benefits

Accounts

Go Anywhere Checking
A great account for college students. Do your banking anytime, from anywhere, plus no ATM fees.

Free Checking
A simple account for those who don't write many checks. No minimum balance or direct deposit requirements.

Select Checking
For those age 50 and up. Offers free checks.

Performance Checking
A great account for the homeowner. For those with a combined loan and/or deposit balance of $25,000 or more.

Optima Checking
The most benefits for those with higher balances. For those with a combined relationship balance of $125,000 or more, including loans, deposits and/or investments.

Student Checking
For ages 14-18. Requires parent's co-signature. Online, mobile and checkcard access.

Go Anywhere Checking
Free Checking
Select Checking
Performance
Optima
Opening Balance $50 minimum opening balance $50 minimum opening balance $50 minimum opening balance $50 minimum opening balance $50 minimum opening balance
Balance to Waive Service Fees

$400 average daily balance; $10 monthly service fee if balance is not maintained

No average daily balance required for those ages 18-23; service fees are waived
No minimum balance required; service fees are waived

E-Statement: No minimum balance required; service fees are waived

Paper Statement option: $2,500 average daily balance; $5 monthly service fee1 if balance is not maintained
$25,000 relationship balance2 of deposits and loans; $15 monthly service fee if relationship is not maintained $125,000 relationship balance2 of deposits, loans and investments; $20 monthly service fee if relationship is not maintained
Balance to Earn Interest Interest not offered $7,500 minimum balance to earn interest3 $2,500 minimum balance to earn interest3 $2,500 minimum balance to earn interest3 $2,500 minimum balance to earn interest3
Account Activity Unlimited electronic activity Write up to a maximum of 25 checks per month; unlimited electronic activity Write 25 checks per month free; $0.25 fee charged for additional checks; unlimited electronic activity Write 50 checks per month free; $0.25 fee charged for additional checks; unlimited electronic activity No fees for writing checks; unlimited electronic activity
Additional Account Features:

Go Anywhere Checking
- Free ATM use
- E-Statement required

Free Checking
- E-Statement required

Select Checking
- One box of standard checks free per year or 50% discount on other checks, such as duplicates
- Complimentary financial plan analysis through Citizens Wealth Management Group

Performance Checking (choice of two)
- Paper Statement
- One box of standard checks free per year or 50% discount on other checks, such as duplicates
- Five out of network ATM surcharge fees rebated per month
- Unlimited free foreign ATM use
- Free safe deposit box

Optima Checking
- Paper Statement - if preferred
- One box of standard checks free per year or 50% discount on other checks, such as duplicates
- Free ATM use
- Free safe deposit box
- No fee for purchasing Visa gift cards ($4.95 savings)

1Customers age 50 and older may have their monthly service fee waived by choosing Direct Deposit of income and benefits checks.
2Certificates of deposit are not included in Relationship Balances.
3Rates are tiered. See Rate Charts.
4Fees may apply.
5Subject to credit approval.
6Subject to program terms.

Download Checking Brochure

Elite Checking
A Personal Checking Account for Business Owners
business man

SPECIAL OFFER:
- 6 month intro rate
- free use of foreign ATMs
- platinum Visa® credit card

FREE Gift with Checking
Receive a free gift just for opening any new checking account.

Gifts change quarterly. free gift with checking storage set
Storage Set*

*Available while supplies last. If unavailable a gift of comparable value will be provided.

More Information
To learn more about our checking and savings options, call:
1-800-262-4663
Mon. - Fri. 8:30 am - 5 pm EST
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