Personal Checking

  • FREE unlimited ATM transactions at Citizens FSB
  • FREE Citizens FSB Debit Card available upon approval
  • FREE Online Banking, Mobile Banking, and Bill Pay
  • FREE Check images, via eStatements for easy record keeping
  • FREE easy-to-balance monthly eStatement
  • Overdraft privilege service available upon approval

FREEdom Checking
Our most popular checking account product:

  • No minimum balance
  • No monthly service charge*
  • No per check charge
  • Unlimited check writing

50 Plus Checking

  • FREE for customers 50 and over!
  • Competitive Interest Rate
  • Only $5.00 per month if minimum balance falls below $100*
  • 25 free check transactions, $.15 per check after 25
  • Unlimited check writing
  • Free Money Orders up to $1,000.00

All American Checking

  • An account for those interested in higher interest!
  • Competitive interest with balances of $500 or more
  • 25 free check transactions, $.15 per check if balance falls below $500
  • Only $3.00 monthly charge if minimum balance falls below $499.00 and $5.00 monthly charge if balance falls below $299.00*

Money Market Checking

  • May earn higher interest if maintained balance is above $2,500
  • Limited to 6 transfers per statement cycle, (service charge after 6 transfers)
  • No monthly service charge if balance is $500 or more*
  • $1,000 minimum to open account

Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Minimum opening deposit is only $50 except Money Market has a minimum opening deposit of $1,000. Ask for details. * Paper statements are $3.00/mo. fee per account and no charge for eStatements. Customer purchases checks.