Checking Accounts:
Commercial Checking
$100.00
deposit to open
$5.00 basic fee every statement cycle
Per debit fee $0.13
Deposit items on another bank $.075
Deposit items on us $0.05
Return item fee $3.00
To reduce fees a credit is calculated of $0.13 for every $100.00 of the average ledger balance for the monthly statement cycle less a 15% reserve requirement.
Business Lite Checking
$100 deposit to open
$7.00 monthly service fee each statement cycle
No monthly service fee if minimum balance does not fall below $2,500 during a statement cycle
100 Deposit Items (each item in a deposit is considered a deposit item)
100 Debit Items (any type of debit to the account is considered a debit item)
Excessive credit or debit items $.075 each
First order of checks free
Savings Options:
Money Market Account
$1,000.00
deposit to open
$1,000.00 minimum balance
Interest-bearing
$6.00 fee if below $1,000.00
6 withdrawals per month (of that 3 can be checks/third party transfers)
Debits in excess of limit $5.00 each
Some restrictions may apply
Citizens Plus
$5,000.00
deposit to open
$10.00 service charge below $5,000.00
Interest-bearing above $5,000.00
6 withdrawals per month (of that 3 can be checks/third party transfers)
Debits in excess of limit $5.00 each
Certificates of Deposit:
Certificates of Deposit
$1,000.00
deposit to open
Interest-bearing
Interest compounds quarterly if term is 1 year or more
Flexible terms available from 7 days to 60 months
Penalty for early withdrawal
Talk with one of our Customer Service Representatives for complete disclosure on each of these accounts plus term and rate information.
Other Services:
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Commercial Loans
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24 Hour account information
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Columbia (601) 736-7442
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Tylertown (601) 876-0068
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Magnolia (601) 783-3048
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Sumrall (601) 758-4647
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Seminary (601) 216-5555
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Cash Management
