Real Community Bank CLUB
A Real Community Bank CLUB is packaged with a wide array of benefits, discounts, and bank services, providing you with opportunities to save hundreds of dollars each year all for one low monthly membership fee of $6.99. No wonder it is one of our most popular accounts. For individuals and joint account holders only.
· $100 minimum to open
· No minimum balance requirement
· Unlimited check writing
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Free CLUB Checks (limit 2 boxes per year) or $5.00 discount on checks of your choice
· $10,000 AD&D coverage, $20,000 Common Carrier coverage
· No fee for cashier’s checks
· Ten photocopies per month
· 50% discount on stop payment orders and wire transfers fee
· Hotel & motel discounts
· Prescription drug, hearing instruments and prescription eyewear discounts
· Refer to your CLUB Member Benefits card for more details
· Unlimited bill pay
· ****Life Lock and Identity Theft 911
· Direct Deposit Services
· Internet banking
· VISA Check Card (for qualified applicants)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
Real Community Bank CLUB (Double Coverage)
All the great coverage listed above in the Real Community Bank Club with more
· $100.00 minimum balance to open
· $20,000 AD&D coverage, $50,000 Common Carrier coverage
· Monthly membership fee of $7.99
· For individuals and joint account holders only
Real Community Bank CLUB (Family Coverage)
All the great coverage listed above in the Real Community Bank Club with more
· $100.00 minimum balance to open
· $20,000 AD&D coverage, $100,000 Common Carrier coverage
· $2,500 AD&D coverage on each child
· Monthly membership fee of $8.99
· For individuals and joint account holders only
Citizens Checking
Citizens Checking is your traditional checking account. Go GREEN and we will waive your $5 service charge (see details below).
· $100.00 minimum balance to open
· Minimum balance $500.00
· $5.00 minimum balance service charge
· Unlimited check writing
· Monthly imaged statement - Combined Statement (upon request)
GO GREEN!
· We will waive your $5 service charge if your account maintains the following
· Qualifying direct deposit each month (for example with payroll, pension or government benefit such a social security)
and
· sign up for Internet Banking OR e-statements
· Direct deposit required monthly for fee to be waived
· VISA check card available (for qualified applicants)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
Citizens Clean Slate Checking
A fresh start for those who may have had a less than perfect financial track record
· $100.00 minimum balance to open
· No minimum balance requirement
· Flat service charge of $10 monthly
· If account receives a direct deposit, the monthly service charge will be $8 monthly
· Unlimited check writing
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Internet Banking
· VISA Check Card available after account is open in satisfactory status at 12 months
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
Citizens Choice Plus*
A checking account that earns you higher interest on higher balances in addition to giving you accessibility to your money
· $100.00 minimum balance to open
· $10.00 minimum balance service charge
· ***Minimum balance $1,000.00
· Unlimited check writing
· Interest paid on collected funds over $750.00
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Internet Banking
· VISA check card available (for qualified applicants)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
CLUB benefits can be added for $4.99 per month (see below)
Citizens Choice Plus (with Club Benefits)*
A checking account that earns you higher interest on higher balances in addition to giving you accessibility to your money plus CLUB benefits!
· $100.00 minimum balance to open
· $10.00 minimum balance service charge
· ***Minimum balance $1,000.00
· CLUB membership fee of $4.99 monthly
· Unlimited check writing
· Interest paid on collected funds over $750.00
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Free CLUB Checks (limit 2 boxes per year) or $5.00 discount on checks of your choice
· $10,000 AD&D coverage, $20,000 Common Carrier coverage
· No fee for cashier’s checks
· Ten photocopies per month
· 50% discount on stop payment orders and wire transfers fee
· Hotel & motel discounts
· Prescription drug, hearing instruments and prescription eyewear discounts
· Refer to your CLUB Member Benefits card for more details
· Unlimited bill pay
· ****Life Lock and Identity Theft 911
· Direct Deposit Services
· Internet banking
· VISA Check Card (for qualified applicants)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
Citizens Gold Classic
For individuals and joint account holders 50 years of age and over
· $100.00 minimum balance to open
· No minimum balance requirement
· No monthly service charge
· Unlimited check writing
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Citizens gold checks (2 boxes free per year) or $5.00 discount on checks of your choice
· VISA Check Card (for qualified applicants)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
CLUB benefits can be added for $4.99 per month (see Below)
Citizens GOLD Classic (with CLUB benefits)
For individuals and joint account holders 50 years of age and over
· $100.00 minimum balance to open
· CLUB monthly Membership fee of $4.99
· No minimum balance requirement
· Unlimited check writing
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Free CLUB Checks (limit 2 boxes per year) or $5.00 discount on checks of your choice
· $10,000 AD&D coverage, $20,000 Common Carrier coverage
· No fee for cashier’s checks
· Ten photocopies per month
· 50% discount on stop payment orders and wire transfers fee
· Hotel & motel discounts
· Prescription drug, hearing instruments and prescription eyewear discounts
· Refer to your CLUB Member Benefits card for more details
· Unlimited bill pay
· ****Life Lock and Identity Theft 911
· Direct Deposit Services
· Internet banking
· VISA Check Card (for qualified applicants)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
Citizens Cash Management Account*
Earn money market rates and have access to your funds
· $100.00 minimum balance to open
· ***$2,500.00 daily minimum balance requirement
· $10.00 minimum balance service charge
· **6 withdrawals/transfer from your account per four (4) week or similar period
· Excess withdrawals will be charged $5.75 each
· Interest paid on all collected balances
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Internet banking
· VISA check card available (for qualified applicants)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
Citizens Money Market Account*
Offers higher competitive rates on balances of $10,000.00 and greater
· $10,000.00 minimum balance to open
· ***$10,000 daily balance requirement
· $15.00 minimum balance service charge
· **6 withdrawals/transfer from your account per four (4) week or similar period
· Excess withdrawals will be charged $5.75 each
· Interest paid on collected balances $10,000 and above
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
Platinum Checking*
Interest bearing account designed for a higher balance and offering a higher rate while granting all the convenience of a standard checking account.
· $5,000.00 minimum balance to open
· ***$5,000.00 daily minimum balance requirement
· $10.00 minimum balance service charge
· Interest paid on collected funds over $5,000.00
· Monthly imaged statement or eStatement Combined Statement (upon request)
· Internet banking
· VISA Check Card (for qualified applicants)
· Early closeout fee within 180 days of opening is $32.95
· See our Miscellaneous Fee Schedule for additional fees that may apply
*Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
** If by preauthorized or automatic transfer, or telephone (including data transmissions) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
***Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the minimum balance required for the account each day to obtain the disclosed annual percentage yield.
****One member at no charge additional members cost an additional charge