Commercial Checking

$100.00 minimum deposit to open
$5.00 basic fee every statement cycle
Per debit fee $0.13
Deposit items on another bank $0.075
Deposit items on us $0.05
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.  The earnings cannot exceed your total account fees.

Business Lite Checking

$100.00 minimum deposit to open

$7.00 monthly service fee each statement cycle

No monthly service fee if minimum balance does not fall below $2,500.00 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 deposit or debit items $0.075 each 

First order of checks free

Money Market Account

$1,000.00 minimum deposit to open
$1,000.00 and above earns interest
$10.00 monthly service charge if balance falls below $1,000.00
6 debits/transfers per month 
Debits/transfers in excess of limit $5.00 each

Citizens Plus
$5,000.00 minimum deposit to open
$10.00 monthly service charge if balance falls below $5,000.00
Interest-bearing $5,000.00 and above
6 debits/transfers per month 
Debits in excess of limit $5.00 each

Personal Now Account
$1,000.00 minimum deposit to open 

Available to individuals, sole proprietorships and not-for-profit organizations
For complete disclosure on account criteria, please see a Customer Service Representative.

Businesses can enjoy a number of electronic features when using this Online Banking service.  Cash Management features, available to businesses, include:

Pay Bills

Electronic Payroll

Collection of dues or fees from members, clients or customers' accounts

Electronic Federal Tax Payments (EFTPS)

Wire Transfers

ACH Payments and Receipts

Order Currency

View balances and history of your Citizens Bank accounts

Transfer funds within Citizens Bank accounts

To learn more, click on Online Banking, then click Test Drive.  Contact our E-Commerce Manager at (601) 444-2432 for full disclosure of Cash Management fees and features.

Certificates of Deposit

$1,000.00 minimum deposit to open
Interest-bearing
Interest compounds quarterly if term is 1 year or more
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:

• Commercial Loans

• Business Online Banking

• Mortgage Loans

• Payroll Card

• 24 Hour account information - Toll free from any location: 1-855-330-8899

      Reorder Checks