Citizens Advantage Checking
$100.00 deposit to open
Membership fee $8.50 basic plan/$10.50 family plan
Unlimited check writing
Free personalized checks
Credit card protection
Free notary service
No fee travelers checks
Lost key return
Free photocopy service
Discount travel services
Household inventory
Member benefits card
Free direct deposit
Accidental death & dismemberment insurance
No fee for money orders

Everyday Rebate Rewards

Citizens Gold Account
Age 50 and above
$100.00 deposit to open
No monthly service charge

Interest-bearing
Unlimited check writing
Free notary service
No fee for travelers checks
No fee for money orders
Free photocopy service

Citizens Gold Preferred
Age 50 and above
$100.00 deposit to open
Interest-bearing
$500 and above no service charge
Balance below $500; Membership fee $4.00 basic plan/$5.00 family plan
Unlimited check writing
Free personalized checks
Credit card protection
Free notary service
No fee for travelers checks
No fee for money orders
Free photocopy service
Lost key return
Medical emergency data card
Travel discounts
Household inventory
Member benefits card
Accidental death & dismemberment insurance
Everyday Rebate Rewards

Personal Now Account
$1,000.00 deposit to open
Above $1,000.00 earns interest
$7.00 service charge below $1,000.00

Student Checking
$25.00 deposit to open
No service charge until age 22

NowPLUS Account
$20,000.00 deposit to open and earn interest
$10.00 monthly service fee if balance drops below this level
Account is available to individuals, sole proprietorships and not-for-profit organizations

Earns attractive interest yield.  Fees may reduce the earnings on the account

For complete disclosure on account criteria, please see a Customer Service Representative.

Citizens Direct Account
$50.00 deposit to open
$3.50 monthly service fee
4 over the counter withdrawals per month
$1.00 charge per withdrawal over 4 per month
No ATM/Debit card issued
Electronic payments permitted
Direct Deposit required
No telephone transfers permitted
Subject to over-the-counter transactions only

Savings Options:

Citizens Savings
$100.00 deposit to open
Below $100.00 service charge $6.00
6 debits per quarter (of that 3 can be preauthorized transfers to third parties)

Interest- bearing

Debits in excess of limit $2.00 each
Full-time students: $50.00 deposit to open
No service charges until age 22

Money Market Account
$1,000.00 deposit to open
$1,000.00 minimum balance
Interest-bearing
$7.00 fee if balance falls 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

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
Available also to business customers

Christmas Club
No minimum balance required
Pay interest at maturity
Account closed if withdrawals made during year

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

Other Services:

• Trust Department

• IRA’s, Traditional and Roth

• Consumer and Commercial Loans

• Mortgage Loans

• ATM’s at all locations (except for the Wiggins Loan Center)

• Debit Card (for qualified applicants)

• 24 Hour account information

  • Columbia (601) 736-7442

  • Tylertown (601) 876-0068

  • Magnolia (601) 783-3048

  • Sumrall (601) 758-4647

  • Seminary (601) 216-5555

• Overdraft Protection (for qualified applicants)

• Online Banking

• ATM Card (for qualified applicants) - Enjoy no transaction fee when using a Citizens Bank ATM Card at any of our full service branch locations.

• Online Bill Pay Service

• Cash Management

      Reorder Checks