Checking
An account ideal for those that need a jumpstart – No fuss banking solutions without the unnecessary complications that come with managing a bank account. Just the spark you need to begin your banking relationship.
- $100 Minimum Opening Deposit
- $4 monthly service charge waived by maintaining a $100 daily account balance
- Convenience of Online & Mobile Banking
- Debit Card Available
- Account Limitations: No check writing
- Refer to Fee Schedule for product fees and charges
The ideal account with all the essentials to manage your money to create the financial foundation you need.
- $100 Minimum Opening Deposit
- $7 monthly service charge waived by maintaining a $250 average daily account balance
- Convenience of Online & Mobile Banking
- Debit Card Available
- No account limitations
- Refer to Fee Schedule for product fees and charges
Honoring those that have paved the way, this account is specifically dedicated to our members 50 years and older.
- Available to individuals 50 and older
- $100 Minimum Opening Deposit
- $7.50 monthly service charge waived by having a Direct Deposit
- Convenience of Online & Mobile Banking
- Debit Card Available
- Account Limitations: Available to individuals age 50 and older
- Refer to Fee Schedule for product fees and charges
Activate your financial legacy. You’ve worked hard for your money, so now it’s time for it to work hard for you.
- $1,000 Minimum Opening Deposit
- $12 monthly service charge waived by maintaining a $1,000 average daily account balance
- Convenience of Online & Mobile Banking
- Debit Card Available
- Competitive Interest Rate
- No Account Limitations
- Refer to Fee Schedule for product fees and charges
This is for our future leaders who need space to build financial acumen/acuity and have access to resources along the way.
- Available to students 23 and younger with valid school IDs
- $25 Minimum Opening Deposit
- $1 monthly service charge
- E-Statements only
- Debit Card Available
- Account Limitations: No check writing
- Refer to Fee Schedule for product fees and charges
Personal Savings
Earn interest on your deposit with a simple savings account-perfect for stashing cash for a rainy day or other major milestones.
- $100 Minimum Opening Deposit
- $5 monthly service charge waived by maintaining a $100 daily account balance
- Convenience of Online & Mobile Banking
- ATM Card Available
- Competitive Interest Rate
- Account Limitations: Limited to 6 withdrawals per month
- Refer to Fee Schedule for product fees and charges
Start saving cash early with this savings designed to lighten the financial burden that comes with last minute holiday shopping.
- $25 Minimum Opening Deposit
- No monthly service charge
- Annual disbursement in November
- Convenience of Online & Mobile Banking
- Competitive Interest Rate
- Account Limitations: Bill Pay, ATM/Debit Cards are not accessible on this account
- Refer to Fee Schedule for product fees and charges
Feel empowered to take your savings to the next level with competitive rates and flexible access to funds.
- $5,000 Minimum Opening Deposit
- $15 monthly service charge waived by maintaining a $5,000 daily account balance
- Convenience of Online & Mobile Banking
- Tiered Competitive Interest Rates
- Account Limitations: Limited to 6 withdrawals per month, ATM/Debit Cards are not available on this account
- Refer to Fee Schedule for product fees and charges
Before you soar, start by learning the basics of banking and watch how your money grows
- Available for Individuals 18 and younger
- $10 Minimum Opening Deposit
- No monthly service charge
- Convenience of Online & Mobile Banking
- Competitive Interest Rate
- Account Limitations: Limited to 6 withdrawals per month
- Refer to Fee Schedule for product fees and charges
CDs & IRAs
Our CDs are a great option for saving. They are FDIC-insured and they yield a variety of interest rates to fit your unique needs. At Citizens Bank, we offer CDs with competitive rates and a range of maturity options*. They are FDIC insured & yield a variety of interest rates to fit your unique needs.
- Short-term CDs: 3-month Certificate of Deposit
- Medium-term CDs: 6 to 18-month Certificate of Deposits
- Long-term CDs: 24-month or longer Certificate of Deposits
If you would like to speak with a Citizens Bank associate regarding CD options, please contact us.
An IRA remains one of the best types of personal banking products for retirement savings. Individual Retirement Accounts (IRAs) are a tax-advantaged savings vehicle for retirement.
Planning for retirement seems like a complicated task. At Citizens Bank, we provide you with simple, user-friendly tools to secure your financial future. We would be honored to assist you with any questions you may have concerning contribution limits, deduction limits, rollovers, and more.
If you’d like to speak with a Citizens Bank associate regarding retirement options, please contact us.
Personal Lending
Personal Loans
Whether you’re looking to purchase a vehicle, cover an unexpected expense, or – better yet – go on vacation, Citizens Bank is ready to lend you a helping hand.
Apply for a personal loan or discuss personal loan rates today by calling the branch location nearest you.
Credit Cards
Selecting the right credit card shouldn’t be complicated. That’s why we offer simple options designed around your preferences, whatever they are.
You can view credit card history and pay your credit card statement online by accessing your account at mycardstatement.com.
All credit requests are subject to approval.