Documents in Portable Document Format (.PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download it now.
Lake setting next to town

Checking

Checking accounts to fit every need...

With a variety of checking accounts, TCB has one that will fit your needs. Our customer service representatives can help you choose the account. 

Thinking of switching to The Citizens Bank? Our easy Switch Kit will help you gather all the information needed to open an account. Click here for the Switch Kit.


TCB-FREE CHECKING

Our TCB-FREE Checking Account is ideal for students, first-time checking account holders, and those who do not require special account features.

  • Minimum deposit to open account: $50.00
  • No minimum balance requirements thereafter
  • No monthly service charge fees via e-statements or mail
  • Bill pay available 
  • Monthly statements
  • Automatic drafts may be utilized
  • ATM/Visa Check Card available
  • Overdraft protection available upon credit approval

INTEREST CHECKING

Our Interest Checking Account earns interest if the minimum balance and other requirements are met.

  • Minimum deposit to open account: $500.00
  • Minimum balance requirements to earn interest: $500.00
  • Bill pay available 
  • Monthly statements
  • Interest paid on collected balance- see a customer service representative for current rate information
  • Automatic drafts may be utilized
  • ATM/Visa Check Card available
  • Per debit item fees apply if minimum balance of $500 is not maintained
  • Overdraft protection available upon credit approval

CITIZENS SELECT ACCOUNT

Our Citizens Select Account earns interest if the minimum balance and other requirements are met.

  • Minimum deposit to open account: $100.00
  • Available to Individuals (single or joint accounts)
  • ATM/Visa Check Card available
  • Direct Deposit
  • Interest paid on collected balance- see a customer service representative for current rate information
  • Free cashier's checks (limit of 3 per month)
  • Free safe deposit box for one year
  • Free The Citizens Bank checks (unlimited)
  • Monthly service charge fees apply if minimum balance requirements are not maintained (see disclosures at account opening)
  • Overdraft protection available upon credit approval

ADVANTAGE 50

Our Advantage Accounts offer value-added checking with all the "little extras". 

  • Minimum deposit to open: $100
  • Minimum balance requirement: $100
  • Minimum balance to earn interest: $500
  • Interest paid on collected balance- see a customer service representative for current rate information
  • Customers who are not yet 50 years old can sign up for this account by paying a flat $8 monthly service charge fee with no minimum balance requirement
  • Advantage 50 Benefits
    • Direct deposit
    • Free notary service
    • Free ATM card
    • Identity theft insurance with Fraud Assistance
    • Medical emergency data card
    • Payment card protection
    • Savers Club Books with travel discounts
    • Common carrier insurance
    • Key ring protection/Registered key tag
    • Automatic transfer savings program
    • Free order each year of wallet style checks (style specified by TCB)
    • Overdraft protection available upon credit approval

ADVANTAGE 50 PLUS

Our Advantage Accounts offer value-added checking with all the "little extras". 

  • Minimum deposit to open: $100
  • No minimum balance requirement
  • Minimum balance to earn interest: $500
  • Interest paid on collected balance- see a customer service representative for current rate information
  • Monthly service charge: $5
  • Customers who are not yet 50 years old can sign up for this account by paying a flat $10 monthly service charge fee with no minimum balance requirement
  • Advantage 50 Plus Benefits (Includes Advantage 50 Benefits listed above)
    • Free cashier's checks (Limited to 3 per month)
    • Everyday rebates
    • Additional common carrier insurance
    • Accidental death insurance

ADVANTAGE ACCOUNT

Our Advantage Accounts offer value-added checking with all the "little extras". 

  • Minimum deposit to open: $50
  • Minimum balance required to earn interest: $500
  • Available to Individuals 50 years old or older
  • No monthly service charge fee
  • ATM/Visa Check Card available
  • Automatic drafts may be utilized
  • Free order each year of wallet style checks (style specified by TCB)
  • Overdraft protection available upon credit approval