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Personal Banking


Citizens Free Checking

  • $25.00 minimum deposit to open
  • No monthly service charge
  • Check images are not returned with statement

Regular Checking

  • $100.00 minimum deposit to open
  • $500.00 and above no service charge
  • $7.00 monthly service charge if balance falls below $500.00

Citizens Advantage Checking  (Club Account)

  • $100.00 minimum deposit to open
  • Membership fee $8.50 basic plan/$10.50 family plan
  • Unlimited check writing
  • Free personalized wallet style safety paper 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 Advantage Gold Preferred  (Club Account)

  • 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 wallet style safety paper 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!

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

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

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.

Student Checking

  • $25.00 minimum deposit to open
  • No service charges for full-time students age 21 and below

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

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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 for full-time students age 21 and below

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

  • $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.

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Other Services

  • Trust Department
  • Individual Retirement Accounts (IRA's) - Traditional and Roth
  • Consumer and Commercial Loans
  • Mortgage Loans
  • ATMs are available at all full service locations.
  • Debit Card (for qualified applicants)
  • 24 Hour account information - Toll free from any location: 1-855-330-8899 or in Columbia (601) 731-3035
  • 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 locations.
  • Online Bill Pay Service
  • Cash Management

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