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Citizens Bank & Trust Co., The Trusted Name in Banking

Common Features

The following fees may be assessed against your account and the following limitations, if any, apply to your account:

Overdraft Fee Categories. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check or draft, in-person withdrawal, ATM withdrawal, or other electronic means.
Item Fee

Account Reconciliation/Research

$20.00 Hourly

ACH Origination (Monthly)


Cashiers Check

$10.00 per check

Christmas Club Early Withdrawal


Collection Items (Sent and Received)


Coupon Book Replacement


Dormant Account Fee

Checking and Savings $15.00 Semi-Annual

An account is dormant if for 182 days: There have been no 
deposits or withdrawals, there has been no communication
about the account, the account statements returned for
incorrect address.

No fee will be assessed with minimum balance of $1000.00 

Internet Banking/Bill Pay


Facsimile Charges (Outgoing)

$3.00 Plus Phone Charges

Facsimile Charges (Incoming)

$0.50 Per Page

Legal Processing Garnishments





$1.00 Each

Replacement Debit Card


Replacement Statement


Returned Deposited Item


Stop Payment ACH/Check/Alerts


Wire Transfers

Domestic Incoming $10.00

Domestic Outgoing $30.00

international Outgoing $50.00

International Incoming $50.00

Return Wire Fee


Nonsufficient funds (NSF) fee - each returned item/payment

$35.00 Each Item

ATM & Debit Card Withdrawal Limit Point of Sale (POS)

$500.00 in transactions per day

ATM & Debit Card Withdrawal Limit ATM Withdrawal

$500.00 per day

Paper Statement Fee (Monthly)
(Consumer & Business) No fee will be assessed if customer
chooses to receive electronic bank statements. 


Night Depository

Bag Type

Lock Bag


Zipper Bag


Safe Deposit Boxes
Box Size Price
3 x 5" $25.00
3 x 10" $35.00
5 x 5" $30.00
5 x 10" $45.00
10 x 10" $85.00