Whether you are in need of your first checking account or just a separate checking account for a special purpose; or maybe you need a business account—Citizens Bank has an account for YOU! Please review our checking account options to see which type of account fits your particular need. The following checking account types are available:

Regular Checking:

• Minimum balance is $1,000.
• Twenty (20) debits per cycle are allowed before a service charge is imposed (if balance falls below $1,000). This fee will be waived for full-time students.
• "CB Account" memberships available priced by the amount of accidental death insurance* obtained. Other "CB Account" benefits include 400 free personalized checks per year, 6 free money orders per month, credit card registration, lost key return/protection, travel and car rental discounts, unlimited checking, and free ATM cards.

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Carefree Checking:

• Zero fees.
• Ten (10) checks per month allowed.
• If customer writes more than ten (10) checks per statement cycle, minimum balance fees will apply.

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Fancy Free Checking:

• Zero fees while maintaining $1,000 minimum balance in a designated regular savings or golden passbook account.
• If customer fails to meet requirements, minimum balance fees will apply.

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Free Checking:

• No monthly service charge or minimum balance requirement.
• Low minimum opening deposit of $25.00.
• Unlimited check writing.
• No items and/or images returned in customer's statement.
• Duplicate checks are required.
• Free first order of 150 duplicate checks.
• Check card or ATM card available with Free Checking Accounts.

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Money Market Account:

• Minimum balance is $2,500.
• Interest is compounded and credited to account every statement cycle.
• Transfers from a money market account to another account or third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle with no more than three (3) by check, draft, or similar order to third parties.
• Call (615) 374-BANK (2265) or (615) 206-1748 for current rates.

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Flex Money Market Account:

• Same features as Money Market, except minimum balance to open the account is $10,000.
• Call (615) 374-BANK (2265) or (615) 206-1748 for current rates.

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NOW Account:

• Minimum balance is $1,000.
• Interest is compounded and credited to account each statement cycle.
• Call (615) 374-BANK (2265) or (615) 206-1748 for current rates.

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