Citizens Advantage Checking
$100.00 minimum 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
Travel Discounts
Household inventory
Member benefits card
Accidental death & dismemberment insurance
Money Orders, limit of two (2) per day with no fee

Identity theft coverage

CASH BACK MEMBERS REWARDS!  At the end of each quarter, turn in receipts totaling up to $100.00 for any purchases made during that quarter and receive 10% cash back!

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

Interest-bearing
Unlimited check writing
Free notary service
No fee for travelers checks
Money Orders, limit of two (2) per day with no fee
Free photocopy service

Citizens Advantage Gold Preferred
Age 50 and above
$100.00 minimum deposit to open
Interest-bearing
$500 and above no service charge
If balance falls below $500.00: 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
Money Orders, limit of two (2) per day with no fee
Free photocopy service
Lost key return
Travel discounts
Household inventory
Member benefits card
Accidental death & dismemberment insurance

Identity theft coverage
CASH BACK MEMBERS REWARDS!  At the end of each quarter, turn in receipts totaling up to $100.00 for any purchases made during that quarter and receive 10% cash back!

Personal Now Account
$1,000.00 minimum deposit to open 

$1,000.00 and above earns interest
$8.00 monthly service charge if balance falls below $1,000.00

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

NowPLUS Account
$20,000.00 minimum deposit to open 

$20,000.00 and above earns interest
$10.00 monthly service charge if balance falls below $20,000.00
Available to individuals, sole proprietorships and not-for-profit organizations

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 minimum deposit to open
$3.50 monthly service charge
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 minimum deposit to open
$6.00 quarterly service charge if balance falls below $100.00
6 debits per quarter 

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 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

Available to business customers

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
Available also to business customers

Christmas Club
No minimum balance required
Interest paid at maturity
Account closed if withdrawals made during year

Certificates of Deposit:

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

Other Services:

• Trust Department

• IRA’s, Traditional and Roth

• Consumer and Commercial Loans

• Mortgage Loans

• ATMs are available at all full service locations and at the Corner Market grocery located next to our Bellevue Branch in Hattiesburg, MS.

• Debit Card (for qualified applicants)

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

• 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