Commercial Checking

Commercial Checking

This Business Checking is an analysis account for businesses and incorporated associations that pays a competitive earnings rate on the average collected balance. These earnings are used to offset monthly service and activity charges incurred.*

No service fee is charged if the earnings are greater than the service charges for the month. If the earnings are less than the service charges, the difference is debited from the account.*

  • $100 minimum to open
  • 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
  • Variable earnings credit is determined daily at Citizens Guaranty Bank's discretion
  • Credit is applied to the average collected balance and used to offset monthly service and transaction fees*
  • Minimum monthly requirement of $100 to receive earnings credit
  • Free online banking** available (see a Customer Service Rep for details)
  • Bill pay available for $4.95 per month
  • Free mobile banking***
  • Free initial Visa® check card (available for qualified applicants)
  • Early closeout fee within 180 days of opening is $32.95
  • Monthly imaged eStatement AND/OR combined statement (upon request)

*Earnings in excess of monthly fees will be forfeited.

**Note internet provider charges may apply.

***Cellular phone carrier charges may apply for internet and text messaging. Contact your provider for information regarding these charges.