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Business Checking
Business
Checking is an analysis account which pays a competitive earnings rate on the
average collected balance. The earnings are then used to offset monthly
service and activity charges incurred during the month. No service fee is
charged if the earnings is greater than the service charges for the month.
If the earnings are less than the service charges, the difference is debited to
the account. For businesses and incorporated associations.
- $100 opening deposit requirement
- Monthly service charge of $12.00 per month; plus:
$.30 for each deposit
$.10 for each deposited item
$.14 per debit paid
$.10 per ACH
- Earnings credit is variable and determined daily at Citizens Guaranty
Bank’s
discretion. It is applied to the average collected balance and utilized to
offset monthly service and transaction fees
- Minimum monthly requirement of $100 to receive earnings credit
- Monthly imaged statement is provided
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Business Savings
- $100 daily balance requirement
- If daily balance falls below $100 anytime during the month, there will be
a $2.00 service for the month
- Interest paid on collected balances over $50.00
- Transactions limited to 3 withdrawals and 3 transfers per month*
- Excess withdrawals will be charged $2.00 each
- Quarterly statement (images not returned)
- $100 opening deposit requirement
Citizens Cash Management Account
Earn money market rates and have accessibility to your
funds.
- $2,500 daily balance requirement
- If daily balance drops below $2,500 anytime during the monthly statement
cycle, there will be a $10 service charge fee for the month
- Interest paid on collected balances over $750
- Transactions limited to 3 checks and 3 transfers per monthly statement
period*
- Excess withdrawals will be charged $5.75 each
- Monthly imaged statement
- $100 opening deposit requirement
Citizens Choice
Offering you all the standard account features for a low monthly fee as well
as earning you interest on higher balances. For state or local
governments, unincorporated businesses, or non-profit organizations.
- No minimum balance requirement
- $4.99 monthly fee regardless of balance
- Interest paid on collected funds over $750
- Unlimited check writing
- Monthly imaged statement
- $100 opening deposit requirement
Citizens Choice Plus
Earn higher interest on higher balances in addition to giving you unlimited accessibility to your money.
For state or local governments, unincorporated businesses, or non-profit
organizations.
- $1,000 daily balance requirement
- If daily balance drops below $1,000 anytime during the monthly statement
cycle, there will be a $10 service charge fee for the month
- Interest paid on collected balances over $750
- Unlimited check writing
- Monthly imaged statement
- $100 opening deposit requirement
Citizens Express
For
state or local governments, unincorporated businesses, or non-profit
organizations.
- No minimum balance requirement
- $2.99 monthly fee regardless of balance
- Unlimited check writing
- Monthly imaged statement
- $100 opening deposit requirement
Citizens Free Express
For state or local governments, unincorporated businesses, or
non-profit organizations.
- No minimum balance requirement
- No monthly service charge fee
- Unlimited check writing
- Monthly statement (check images not returned)
- Duplicate checks suggested for easier account balancing
- $100 opening deposit requirement
Small Business Checking
For businesses and
associations.
- No minimum deposit
- $1,000 daily balance requirement
- If daily balance falls below $1,000 anytime during the monthly cycle, there
will be a $8.00 service charge fee for the month
- First 30 transactions per month free*
- Greater than 30 transactions-$.20 per transaction
- Monthly imaged statement
- $100 opening deposit requirement
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Transaction is defined as check, transfer, or ACH debit.
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Phone:
606.723.2139 