Skip Navigation Download Adobe® Acrobat Reader to view Portable Document Format (PDF).
Citizens Bank & Trust Co., The Trusted Name in Banking

Personal Checking



Basic Checking Account

  • A $5.00 monthly service charge with no balance requirement
  • Easy to read monthly statement
  • Unlimited check writing
  • Member FDIC
  • Formerly Free Checking and Senior Citizens Checking Account

Regular Checking Account

  • $600 daily balance requirement to avoid $7.50 monthly service charge
  • Minimum balance to open account is $1.00
  • Unlimited Check writing
  • Easy to read monthly statement
  • Member FDIC

Student Checking Account

  • Enjoy all the benefits of our regular checking account with additional benefits specially designed for the high school and college student.
  • No monthly service charge
  • Minimum balance to open account is $50.00
  • Debit card available at the opening of the account
  • 50 starter checks given at opening of the account and no charge reorders of standard starter type checks personalized.
  • Easy to read monthly statement
  • Member FDIC
  • Transfers to Basic Checking at age 24

NOW Account

  • Individual Accounts only- No Business Accounts by Federal Law
  • Minimum balance to open account is $1,000
  • No monthly service charge if balance is $1,000 or over
  • $8.00 monthly service charge if balance is below $1,000, if the balance is below $500 no interest is paid.
  • Designed for the customer who keeps $1,000 or more in their checking account.
  • Enjoy the privileges of full service checking plus earn interest on all daily collected funds of $500 or more.
  • Easy to read monthly statement
  • Member FDIC

Health Savings NOW Account

  • Individual Accounts Only
  • Minimum balance to open account is $50
  • No Interest paid on balance below $50
  • This account is designed for a customer with a qualified high deductible health insurance policy. For a qualified policy check with your insurance agent.

Premier NOW Account

  • Minimum balance to open account is $250.00
  • A $8.00 monthly service charge applies if the balance falls below $800.00
  • $1,000 balance each day to obtain the disclosed APY
  • Other benefits include unlimited check writing, club personalized checks, $100,000 common carrier accidental death insurance, Identity Theft 911, Cellular Telephone Protection, and a variety of money saving offers
  • Member FDIC

Premier Plus NOW Account

All the benefits of Premier checking with several added benefits, for an additional monthly fee of only $4.00 you can enjoy these major enhancements.

  • Minimum balance to open account is $250.00
  • $1,000 in account each day to obtain disclosed APY
  • $10,000 Accidental Death and Dismemberment Insurance for an additional monthly fee of $4.00
  • All the benefits of the Premiere Now Account including unlimited check writing, club personalized checks, $100,000 common carrier accidental death insurance, Identity Theft 911, Cellular Telephone Protection, and a variety of money saving offers
  • Member FDIC