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

Savings & Money Market


Money Market Account

  • Designed for the customer who seeks a higher return on their insured deposits, but value the convenience of a checking feature.
  • The Money Market Account is a popular service that provides competitive interest, a monthly statement and a maximum of six withdrawals per month, three of which may be by check or debit card.
  • No monthly service charge if average daily balance is $2,500 or over
  • $5.00 monthly service charge if average daily balance is $ 0 - $2,499
  • Per item charge: 0 - 3 items no charge, any items over three are $3.00 per item
  • Interest is paid on the entire collected balance.
    • Tier 1 - $0 - $2,499
    • Tier 2 - $2,500 and above
  • Please Contact Bank for Current Money Market Rates.
  • Member FDIC


Super Money Market Account

  • No monthly service charge if average daily balance is $5,000 or over
  • Pays a higher rate above the Money Market account for higher balances.
  • Offers the same convenience of daily interest calculations with monthly compounding and instant access to funds without penalty.
  • Interest is paid on the collected balance in the account.
  • No monthly service charge if average daily balance is $5,000 or over
  • $10.00 monthly service charge if average daily balance is $ 0 - $4,999
  • Per item charge: 0 - 3 items no charge, any items over three are $3.00 per item
  • Interest - Minimum balance of $10,000:
    • Tier 1 - $10,000 - $24,999
    • Tier 2 - $25,000 - $49,999
    • Tier 3 - $50,000 - $99,999
    • Tier 4 - $100,000 & Above
  • Member FDIC
  • Please Contact Bank for Current Super Money Market Rates

Regular Savings Account

  • A convenient, secure investment to set aside for a rainy day or build one’s nest egg. Interest is paid and compounded quarterly on all collected funds.
  • Minimum balance to open account is $100
  • Quarterly Service Charge: Minimum balances of $300 no service charge. Minimum balance less than $300 service charge is $8.00
  • Per Item Charge: 0 - 6 items per Quarter No charge. Each item over six per Quarter is $2.00 per item.
  • Interest - Paid on Entire Collected Balance:
    • Tier1 - $0.00 - $49,999
    • Tier2 - $50,000 - $99,999
    • Tier3 - $100,000 and above
  • Member FDIC

Christmas Club Account

  • A safe, convenient way to set money aside for Christmas or special occasion.
  • Minimum balance to open account is $10
  • Monthly Service Charge: Minimum balance of $50 no service charge. Minimum balance of less than $50 service charge is $5.00
  • Member FDIC
  • Early withdrawal is subject to a $5.00 fee
Interest: Ledger Balance of less than $100 No Interest Paid. Ledger Balance greater than $100 pays Christmas Club Rate.