PERSONAL CHECKING

Citizens Bank & Trust provides a variety of options to fit your lifestyle. All our services come with our commitment to excellent service, friendly assistance and reliable security.

• Free Checking
• Regular Checking
• Premier Checking
• Columbian Advantage Account
• Columbian 2000 Money Market
• Now Checking
• Senior Checking (ages 65+)
• ATM/Visa Check Card
• Overdraft Privilege Program
• Miscellaneous Services
• Order Checks

Free Checking

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 $100 minimum opening balance
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 Free - ATM card usable at our 7 locations
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 Free - ATM/Visa Check Card
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 Free - Connect with Columbian (telephone banking)
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 Free - Online banking
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 Unlimited check writing
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 No monthly service charge
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 No check imaging

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Regular Checking

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 $100 minimum opening balance
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 No monthly maintenance fee if your minimum balance is above $400; $4 if minimum balance is between $300 - $399; $6 if your minimum balance is below $300
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 25 free debits monthly; each additional debit $.25
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 Free Notary Service and Buyers Advantage Protection
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 ATM/Visa check card available
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 Check imaging

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Premier Checking

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 $100 minimum opening balance
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 No monthly maintenance fee if your minimum balance is above $1000; $10 if balance falls below
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 Unlimited check writing
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 Free Notary Service and Buyers Advantage Protection
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 Special checks free; 50% off other designs
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 ATM/Visa check card available
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 Check imaging

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Columbian Advantage Account

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 $100 minimum opening balance
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 Unlimited check writing
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 Free travelers checks, cashier's checks, and money orders
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 Preferred rate on new installment loans
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 Free Visa ATM/Check Card
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 One-year free safety deposit box rental
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 Accidental death insurance
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 Medical emergency data card
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 Key ring protection
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 Payment card protection
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 Savers Club Book
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 Sojourns magazine subscription
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 Hotel Savings Network discounts
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 Dining Advantage
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 Direct deposit of social security and payroll checks
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 call for further details

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Columbian 2000 Money Market

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 $1,000 minimum opening balance
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 Columbian 2000 is a Money Market Account that achieves higher rates with our Tiered Money Market Account
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 No monthly service charge fee if balance is above $10,000.00; under $10,000.00 there is a $10.00 service charge fee
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 Six withdrawals per month

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Now Checking

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 $100 minimum opening balance
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 Interest paid when daily balance average is above $500.00; Interest accrues daily and compounds monthly
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 No monthly maintenance fee if your minimum balance is above $500; $10 if balance falls below
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 35 free debits monthly; additional debits - $.25
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 Free Notary Service and Buyers Advantage Protection
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 ATM/Visa check card available
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 Check imaging

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Senior Checking (ages 65+)

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 $100 minimum opening balance
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 No monthly maintenance fee; no minimum balance requirements
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 Unlimited check writing
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 Free Notary Service and Buyers Advantage Protection
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 50% off cost of personalized checks
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 ATM/Visa check card available
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 Check imaging
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 Eligible to join our Senior Club with a $2000.00 balance

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ATM/Visa Check Card

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 It's a debit card and an ATM card - It's one card that does it all
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 No annual fee
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 Worldwide acceptance

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Overdraft Privilege Program

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 Avoid high charges from merchants for returned checks
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 New convenience and flexibility in managing your funds
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 Payment of overdrafts up to $700 ($150 on Economy Checking Accounts, and $350 on Free Checking Accounts) will normally be considered.

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Miscellaneous Services

Overdrafts per item... $24.00
Stop payments... $24.00
Telephone Transfers... $2.00
Account inquiry (1 free)... $2.00
Special statement... $3.00
Returned deposited checks... $2.00
Account balancing/research per hour... $20.00
Dormant account statement... $3.00
Money order... $2.00
Incoming wire transfer... $5.00
Outgoing wire transfer... $20.00
Collection Items... $10.00
Microfilm copies... $1.00
Cashier's checks... $5.00
Garnishments, levies or court orders... $25.00
Reorder Visa check card... $5.00

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Order Checks

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 Click here to order checks online

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