Community Checking

Banking Account

Community Checking Benefits

  • Complementary Online Banking, Bill Pay, and Mobile Banking.1
  • Monthly Service Charge: $6
  • Service Charge Waivers: Service Charge reduced $0.25 for each debit swipe, capped at $6 per month.
  • Free Incoming Wire Transfers
  • Mortgage Closing Discount: $200 to qualifed mortagage applicants at closing
  • Loan Auto-Debit Discount2 0.25% annual percentage rate
  • First (2) NSF/OD Fees Refunded3
  • Refund Other Bank's ATM Fees (up to $12 per month)

Relationship Checking

Banking Account

Relationship Checking Benefits

  • Complementary Online Banking, Bill Pay, and Mobile Banking.1
  • Monthly Service Charge: $10
  • Service Charge Waivers: Service Charge reduced $0.25 for each debit swipe with a cap of $10 per month; Service Charge entirely waived if total relationship with the bank between loans and deposits is $5,000 or greater.
  • Free Incoming Wire Transfers
  • Mortgage Closing Discount: $200 to qualified applicants at closing
  • Loan Auto-Debit Discount2 0.25% annual percentage rate
  • First (2) NSF/OD Fees Refunded3
  • Refund Other Bank's ATM Fees (up to $12 per month)

For Ages 16-23

Student Checking

If you are between the ages of 16 and 23, this account is perfect for you. There is no monthly service charge on our Student checking account. Citizens Bank will never charge you for using another banks ATM and will even reimburse you up to $12 per month for the fees charged to you by a competitor bank.

Student Checking Benefits

  • Complementary Online Banking, Bill Pay, and Mobile Banking.1
  • No monthly Service Charge
  • No deposit required.
  • No minimum balance required.
  • Refund of Other Bank’s ATM Fees (up to $12 per month).
  • No charge for Incoming Wire Transfers.
  • Mortgage Closing Discount: $200 to qualified applicants at closing
  • For additional benefits see a Citizens Banker today!

To open your Student Checking account, contact us today.

*Check images will not be returned, but will be available upon request. Individuals under the age of 18 will require a co-owner 18 years or older. Account is required to be enrolled in E-statements. This account will automatically convert to Community Checking when the youngest signer reaches the age of 24.

Heritage Checking

Banking Account

Heritage Checking Benefits

  • Complementary Online Banking, Bill Pay, and Mobile Banking.1
  • To qualify for this account at least one owner must be at least 50 years of age.
  • No Monthly Service Charge
  • Free Incoming Wire Transfers
  • Mortgage Closing Discount: $200 to qualified applicants at closing
  • Loan Auto-Debit Discount2 0.25% annual percentage rate
  • First (2) NSF/OD Fees refunded3
  • Refund Other Bank's ATM Fees (up to $12 per month)

Heroes Checking

Banking Account

Heroes Checking Benefits

  • Complementary Online Banking, Bill Pay, and Mobile Banking.1
  • To qualify for this account at least one owner must be a member of the Military, either in Active Duty, Retired or Reservist.  Active and retired members of Police and Fire departments as well as other individuals who may be called "First Responders" also qualify.  Both paid and volunteer members of these departments qualify.
  • No monthly Service Charge
  • Free Incoming Wire Transfers
  • Mortgage Closing Discount: $200 to qualified applicants at closing
  • Loan Auto-Debit Discount2 0.25% annual percentage rate
  • First (2) NSF/OD Fees Refuned3
  • Refund Other Bank's ATM Fees (up to $12 per month)

CheckProtect

For Life's Slip Ups

Everybody makes mistakes. That’s why we offer our CheckProtect service. Once enrolled, you’ll have the confidence of knowing that your checks will be covered (up to a total of $500. Includes bank/NSF fees) in the event that funds aren’t currently available in your account.

To apply for CheckProtect, please see your local branch.

Overdraft protection is available if your checking account is eligible and the following qualifications are met:

  • No other overdraft Protection.
  • No more than 15 days overdrawn in the last 30 days.
  • No more than 30 days past due on loans.
  • Account not subject to any legal or administrative order or levy.
  • Account has been open at least 60 days.
  • Deposits of $250 or more in the last 30 days.

*Overdraft fees of $34.00 per overdraft may be imposed for any overdraft created by checks, in-person withdrawals, or by electronic means, as applicable.


  1. Message and data rates may apply from your wireless carrier.
  2. To apply loan must be newly opened and auto-debit selected at the time of loan closing.
  3. Refund cards will be presented at time of account opening and must be redeemed to receive refund.
  • With a traditional IRA, you typically pay taxes on the money that you withdraw from the account. However, you may be able to claim a tax deduction when you deposit money into the account.
  • With a Roth IRA, you typically pay taxes on the money before you contribute to your IRA. This means you generally can make qualifying withdraws once you reach 59 1/2 years of age without paying additional taxes on the distributions.

Everyone Needs a

Savings Account

We’re proud to offer a complete lineup of savings accounts, CDs, health savings accounts, and IRAs. And of course, plenty of old-fashioned customer service.

Learn More

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