Interest Checking Disclosures

CITIZENS BONUS CHECKING

Rate information - At our discretion, we may change the interest rates for this account.

Compounding frequency – Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Minimum balance to open – The minimum balance required to open this account is $100.00.

Deposit limitations – You may make an unlimited number of deposits into your account.

Fees and Charges – The following fees and charges apply to this account:

  • Club Membership Dues: $7.50

Additional Terms – Fees could reduce earnings.


CITIZEN’S INTEREST CHECKING

Rate information - At our discretion, we may change the interest rates for this account.

Compounding frequency – Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Effect of closing an account – If you close your account before interest is paid, you will not receive the accrued interest.

Accrual of interest on noncash deposits – Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Minimum balance to open – The minimum balance required to open this account is $1,500.00

Minimum balance to obtain the disclosed annual percentage yield – You must maintain either a minimum daily balance of $1000.00 in your account each day or a minimum average daily balance of $1000.00 in your account to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.

Deposit limitations – You may make an unlimited number of deposits into your account.

Additional Terms – The following additional terms apply to this account: Minimum balance to avoid imposition of fees – An account maintenance fee of $10.00 will be imposed if the  average daily balance falls below $1,000.00. Fees could reduce earnings.


CITIZENS ULTIMATE INTEREST CHECKING

Rate information - At our discretion, we may change the interest rates for this account.

Compounding frequency - Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits – Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Minimum balance to open – The minimum balance required to open this account is %4,000.00.

Minimum balance to obtain the disclosed annual percentage yield – You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield.

Deposit limitations – You may make an unlimited number of deposits into your account.

Additional Terms – The following additional terms apply to this account: Minimum balance to avoid imposition of fees – An account maintenance fee off $12.00 will be imposed if the  average daily balance falls below $4,000.00. Fees could reduce earnings.