Deposit Accounts

Checking Accounts

Checking Accounts

  1. FREE unlimited ATM transactions at Citizens FSB
  2. FREE Citizens FSB Debit Card available upon approval
  3. FREE Online Banking, Mobile Banking, and Bill Pay
  4. FREE Check images, via eStatements for easy record keeping
  5. FREE easy-to-balance monthly eStatement
  6. Overdraft privilege service available upon approval

FREEdom Checking
Our most popular checking account product:

  1. No minimum balance
  2. No monthly service charge*
  3. No per check charge
  4. Unlimited check writing

50 Plus Checking

  1. FREE for customers 50 and over!
  2. Competitive Interest Rate
  3. Only $5.00 per month if minimum balance falls below $100*
  4. 25 free check transactions, $.15 per check after 25
  5. Unlimited check writing
  6. Free Money Orders up to $1,000.00

All American Checking

  1. An account for those interested in higher interest!
  2. Competitive interest with balances of $500 or more
  3. 25 free check transactions, $.15 per check if balance falls below $500
  4. Only $3.00 monthly charge if minimum balance falls below $499.00 and $5.00 monthly charge if balance falls below $299.00*

Money Market Checking

  1. May earn higher interest if maintained balance is above $2,500
  2. Limited to 6 transfers per statement cycle, (service charge after 6 transfers)
  3. No monthly service charge if balance is $500 or more*
  4. $1,000 minimum to open account

Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Minimum opening deposit is only $50 except Money Market has a minimum opening deposit of $1,000. Ask for details. * Paper statements are $3.00/mo. fee per account and no charge for eStatements. Customer purchases checks.

Savings Accounts

Savings Accounts

  1. Earn interest daily (posted to account quarterly)
  2. Limited to 6 transfers and/or withdrawals monthly (service charge after 6 transfers)
  3. Monthly/quarterly statements available
  4. Monthly charge may apply if balance falls below minimum balance 

Junior Club

  1. Great account to start teaching children how to save!
  2. Eligible account holders must be under the age of 18
  3. No monthly service charges
  4. $25 minimum to open account

Statement Savings

  1. Minimum balance fee applies
  2. Account is available to protect a Checking Account against overdrafts
  3. $50 minimum to open account

Health Savings Account-Available Soon!

  1. Retain employees, manage medical expenses
    and take advantage of tax benefits!
  2. Employer contributions receive a tax deduction
  3. Keeps monthly health insurance premiums lower
  4. Employees carry over balances each year; additional
    retirement income if not used
  5. Earns interest

Christmas Club

  1. Save for the holidays all year round!
  2. No service charges or fees
  3. No withdrawals permitted
  4. Funds available beginning of November

Certificates of Deposit 13 Month Special

  1. Term of 13 months
  2. *Annual Percentage Yield (APY) as of 2/19/19 and subject to change
  3. Our 13 month CD is for New Money only brought to Citizens
  4. Minimum of $5,000 balance to open
  5. Early withdrawal penalties

Certificates of Deposit

  1. 91 days to 6 year terms
  2. Our 1 year CD accepts deposits throughout the term ($25 minimum deposit)
  3. Minimum balances apply
  4. Early withdrawal penalties

Individual Retirement Accounts

  1. Saving for your retirement is a MUST! Choose from Traditional or Roth IRAs.
  2. 1 year to 6 year terms
  3. Minimum balances apply
  4. Early withdrawal penalties