Benefits of Personal Banking
Personal banking offers a multitude of benefits designed to make managing your finances both convenient and efficient. With easy access to checking accounts and a variety of other financial services, you can handle your money with confidence. Our experienced bankers are always on hand to assist you in achieving your financial goals, whether it’s through direct deposit, external transfers, or comprehensive account management.
Financial institutions provide competitive annual percentage yield (APY) rates on checking accounts, ensuring your money works as hard as you do. Managing your accounts has never been simpler, thanks to online and digital banking services that allow you to access your funds, pay bills, and check balances anytime, anywhere. Checking accounts are a cornerstone of personal banking, offering the flexibility to write checks and use debit cards for everyday transactions.
Whether you need a business or personal account, our range of services and features are designed to meet your needs. Our goal is to empower you to achieve your financial dreams, making personal banking a straightforward and easy way to manage your money. With online access and mobile banking available around the clock, you have the tools you need to stay on top of your finances.
Checking
Based on the needs of our local community, this account is ideal for those that need a jumpstart – No fuss banking solutions without the unnecessary complications that come with managing a bank account. With competitive interest rates on certain balances, it’s just the spark you need to begin your banking relationship. Managing this account is easy with our user-friendly Switch Kit designed to simplify the transition to our services.
- $100 Minimum Opening Deposit
- $4 monthly service charge waived by maintaining a $100 daily account balance
- Convenience of Online & Mobile Banking
- Debit Card Available
- Account Limitations: No check writing
- Refer to Fee Schedule for product fees and charges
Choose the ideal account with all the essentials to manage your money and help achieve your financial goals.
- $100 Minimum Opening Deposit
- $7 monthly service charge waived by maintaining a $250 average daily account balance
- Convenience of Online & Mobile Banking
- Debit Card Available
- No account limitations
- Refer to Fee Schedule for product fees and charges
Click for more details about this account.
Honoring those that have paved the way, we are proud to offer this account specifically dedicated to our members 50 years and older.
- Available to individuals 50 and older
- $100 Minimum Opening Deposit
- $7.50 monthly service charge waived by having a Direct Deposit
- Convenience of Online & Mobile Banking
- Debit Card Available
- Account Limitations: Available to individuals age 50 and older
- Refer to Fee Schedule for product fees and charges
Customers receive numerous benefits from this account, reinforcing our commitment to community and customer satisfaction. As a community-oriented company, we emphasize local relationships and exceptional customer service, showcasing our dedication to creating meaningful banking experiences.
Activate your financial legacy with fewer layers between you and your banker. You’ve worked hard for your money, so now it’s time for it to work hard for you by earning competitive interest rates on certain balances.
- $1,000 Minimum Opening Deposit
- $12 monthly service charge waived by maintaining a $1,000 average daily account balance
- Convenience of Online & Mobile Banking
- Debit Card Available
- Competitive Interest Rate
- No Account Limitations
- Refer to Fee Schedule for product fees and charges
Opening this account is easy and convenient, with options for online setup and special promotions for new accounts.
This is for our future leaders who need space to build financial acumen/acuity and learn about managing their finances with access to resources along the way.
- Available to students 23 and younger with valid school IDs
- $25 Minimum Opening Deposit
- $1 monthly service charge
- E-Statements only
- Debit Card Available
- Account Limitations: No check writing
- Refer to Fee Schedule for product fees and charges
Our financial experts are ready to assist students in managing their finances effectively. Direct Deposit makes it easy and convenient to manage paycheck deposits, eliminating worry and hassle.
Personal Savings
Earn interest on your deposit with a simple savings account, perfect for stashing cash for a rainy day or other major milestones. Our headquarters in Nashville play a significant role in our community banking identity, offering local banking benefits tied to the city’s growth and community engagement. Enjoy competitive interest rates on certain balances, making it easier to grow your savings.
- $100 Minimum Opening Deposit
- $5 monthly service charge waived by maintaining a $100 daily account balance
- Convenience of Online & Mobile Banking
- ATM Card Available
- Competitive Interest Rate
- Account Limitations: Limited to 6 withdrawals per month
- Refer to Fee Schedule for product fees and charges
Start saving cash early with this savings account designed to lighten the financial burden that comes with last-minute holiday shopping. For more details about the account, consider the following features:
- $25 Minimum Opening Deposit
- No monthly service charge
- Annual disbursement in November
- Convenience of Online & Mobile Banking
- Competitive Interest Rate
- Account Limitations: Bill Pay, ATM/Debit Cards are not accessible on this account
- Refer to Fee Schedule for product fees and charges
You can access your account anytime, making it easy to manage your savings whenever it suits you.
Feel empowered to take your savings to the next level with customizable features, competitive rates, and flexible access to funds.
- $5,000 Minimum Opening Deposit
- $15 monthly service charge waived by maintaining a $5,000 daily account balance
- Convenience of Online & Mobile Banking
- Tiered Competitive Interest Rates
- Account Limitations: Limited to 6 withdrawals per month, ATM/Debit Cards are not available on this account
- Refer to Fee Schedule for product fees and charges
Enjoy competitive interest rates on certain balances, emphasizing the benefits of managing your funds effectively. You can also consult with our financial experts either in person or online, making it convenient to access personalized assistance regardless of your location.
Before you soar, start by learning the basics of banking and watch how your money grows
- Available for Individuals 18 and younger
- $10 Minimum Opening Deposit
- No monthly service charge
- Convenience of Online & Mobile Banking
- Competitive Interest Rate
- Account Limitations: Limited to 6 withdrawals per month
- Refer to Fee Schedule for product fees and charges
Our financial experts are ready to assist young savers in managing their finances. With Direct Deposit, managing paycheck deposits becomes easy and convenient, eliminating worry and hassle.
CDs & IRAs
Our CDs are a great option for saving. Our headquarters in Nashville play a significant role in our community banking identity, offering local banking benefits tied to the city’s growth and community engagement. They are FDIC-insured and they yield a variety of interest rates to fit your unique needs. At Citizens Bank, we offer CDs with competitive rates and a range of maturity options*. For more details about our specific offers and promotions, including introductory rates and special accounts, please visit our website. They are FDIC insured & yield a variety of interest rates to fit your unique needs.
- Short-term CDs: 3-month Certificate of Deposit
- Medium-term CDs: 6 to 18-month Certificate of Deposits
- Long-term CDs: 24-month or longer Certificate of Deposits
Customers receive numerous benefits from these CDs, including peace of mind from FDIC insurance and attractive interest rates.
If you would like to speak with a Citizens Bank associate regarding CD options, please contact us.
An IRA remains one of the best types of personal banking products for retirement savings. Our headquarters in Nashville play a significant role in our community banking identity, emphasizing local benefits and community engagement. Individual Retirement Accounts (IRAs) are a tax-advantaged savings vehicle for retirement.
Having a structured plan for retirement savings is crucial. Planning for retirement seems like a complicated task. At Citizens Bank, we provide you with simple, user-friendly tools to secure your financial future. We would be honored to assist you with any questions you may have concerning contribution limits, deduction limits, rollovers, and more. These accounts can help you achieve your retirement goals.
If you’d like to speak with a Citizens Bank associate regarding retirement options, please contact us.
Digital Banking Services
Digital banking services provide a convenient and secure way to manage your accounts, including checking accounts and other financial services. With online banking, you can easily access your account balances, transfer funds, and pay bills from the comfort of your home or on the go.
Our digital banking services encompass mobile banking, online banking, and external transfers, giving you the flexibility to manage your accounts anytime and anywhere. Security is a top priority, with features like encryption and two-factor authentication in place to protect your information.
Experienced bankers are available to assist you with setting up accounts and troubleshooting any issues you may encounter. Digital banking services offer a range of features, including account management, bill pay, and transfer services, all designed to meet your needs.
You can access your account information, including balances and transaction history, 24/7, allowing you to manage your finances at your convenience. Our digital banking services are user-friendly and secure, providing you with easy access to your account information and the tools you need to manage your money effectively.