Prestige Checking Account

Now you can enjoy the many benefits of our Prestige Checking account.

Here is all the value, service and convenience you need in one unique checking account. More than just personal checking, a Prestige Checking account provides an extensive list of benefits designed especially for the way you live your life.

• Interest on Balance
• 150 Designated Checks
• All for $8.50 a Month
Presitige Checking Interactive Benefits

For an $8.50 per month membership fee, a Prestige Checking account offers these convenient and value-added services:

Prestige Account

NOW Account

Low Cost Account

Regular Account

Checking 101

Check Protect
*$1,000.00 24-HOUR Accidental
Death and Dismemberment AND
$101,000.00 COMMON CARRIER

As a Basic Plan member, you’ll receive $1,000.00 in Accidental Death and Dismemberment Insurance 24 hours a day. Your accidental Death coverage increases to $101,000.00 while traveling by licensed Common Carrier.

Payment Card Protection
When your credit, ATM and check cards are registered, just call the toll-free 24-hour number to report a loss or theft, and all your card issuers will be notified for you. You’ll also receive protection against liability on every registered card.

VISA Card and VISA / ATM Check Card
Carry America's most popular cards with no annual fee. (A separate qualified application is required for each.) Your VISA Check Card has a 24 hour service available to call and report if you would lose your VISA Check Card or if it was stolen. Please call
1-800-754-4128.

Discount Eyewear
Save money when you purchase eyewear. Significant savings are available immediately at participating centers. There are no forms to complete or claims to file in order to receive your discount.

Discounted Checks
Receive a 50% discount every time you reorder checks for your Prestige Checking account.

Overdraft Protection
Should you overdraw your checking account, we will transfer funds from your savings account into your checking account at no charge. (To the nearest dollar amount.)

Id network™ Safety Service

Register your child’s photo and description with the ID Network Safety Service. You’ll receive a plastic, laminated ID card with your child’s photo and description, and a special member number. Should the need arise, call the toll-free number on the card, and the ID Network will fax a high-resolution, digitalized photo and description of your child anywhere in the country.

Key ring protection
Personally registered key ring and lost key protection service Help to retrieve lost keys. With your personally registered key ring, your lost keys can be dropped in any mailbox and returned to you...at no additional charge.

Voice Response Phone System
Inquire about your account balances, checks paid, current interest rates, make transfers between accounts, and much more, through your touch tone phone.

Image Statements
A faster, easier way to balance your checking account. A binder is provided to store your statements.

Combined Statements

Add your checking, savings, certificates of deposit and loan transactions each month to your Citizens Image Statement.

Notary and Signature Guarantee
We will notarize or guarantee your signature on any document.

Automatic Funds Transfer System
The amount you decide on will be automatically transferred according to your instructions. A great way to save for future needs.

ATM 24-Hour Banking
Banking made easier. You may use OUR ATMs without a "per transaction" fee. (Only $2.00 at nonproprietary machines.)

Installment Loan Discount with Automatic Payment
Receive 1/2% discount on your new installment loan when you have an automatic payment from your account.

Travelers Checks
Purchase your American Express
One Signature Checks without
an issue charge.

Auto trip Routing
Get a customized packet of full color maps showing the most scenic or direct route to your destination anywhere in the continental United States.

Discount Pharmacy services

Order by mail and reduce your cost on prescriptions, vitamins and over-the-counter products.

Money Orders
Without issue charge. (Limited to 2 per month.)

NetTeller™
An internet banking service that allows you access to your accounts 24-hours a day from your home, office or anywhere you have access to an internet-connected computer.

Savers Club® Book
Save 50% at over 3,000 participating lodging properties from coast to coast. Plus, you’ll find discount dollars from theme parks and car rental companies. You can receive a new bargain-filled Savers Club® Book every year.

Sojourns® Magazine Subscription
Whether you’re a serious traveler, or you prefer to enjoy America’s beauty from the comfort of an easy chair, vivid color photography and in-depth travel stories will satisfy your wanderlust. You can receive the latest issue in the mail twice a year.

Interactive Benefits Feature
Visit our web site to access your checking benefits online plus sign up to receive a complimentary membership to Netmarket, one of the nation’s largest online shopping malls where you can receive a low price guarantee on over 800,000 brand-name products. Netmarket interactive web site link can be found on Citizens web site, www.citizensbankco.com, in the checking account section.

Check Protect

Check out Check Protect Here

*Accidental Death Insurance is offered through the insurance company named on the Certificate of Insurance. Coverage is divided equally among owners of joint accounts. The 24-Hour Accidental Death Insurance benefit reduces by half at age 70. As a member, you'll automatically receive new benefits as they are added to your program. Not FDIC Insured, No Bank Guarantee, Not Guaranteed by any Government Agency, Not a Bank Deposit

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NOW Account

The interest bearing NOW checking account requires a minimum deposit to open of $1,200. This minimum balance requirement must be maintained to avoid the imposition of any fees.

If the balance drops below the minimum during any day of the statement cycle, a $9.00 service charge will be assessed.

Lower Minimum Balance
Interest on Balance
No Maintenence fee with Minimum Balance

  • Visa check card/ATM card
  • Pay Utility bills
  • Overdraft Protection
  • In-Touch Voice Response Phone System
  • Check Protect
    Check Out Check Protect Here
  • Image Statements
  • Combined Statements
  • ATM 24-hour banking
  • Installment Loan discount with Automatic Payment
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Low Cost Account

The Low Cost checking account is designed for customers with minimal account activity. Requires a minimum deposit to open of $50.

A maintenance charge of $2.50 per month will be charged plus 25 cents for each debit transaction (withdrawal, check paid, automatic transfer, or payment outside the account).

No Minimum Balance
Low Activity Account
Only $2.50 Maintenence Fee per Month

  • Visa check card/ATM card
  • Pay Utility bills
  • Overdraft Protection
  • In-Touch Voice Response Phone System
  • Check Protect
    Check Out Check Protect Here
  • Image Statements
  • Combined Statements
  • ATM 24-hour banking
  • Installment Loan discount with Automatic Payment
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Regular Checking Account

Our Regular checking account is a basic account with a monthly fee of $7.00.

Free Checking with:
$600 Checking Balance, or a combined balance of $2,000 in Checking and Savings Accounts
No Maintenance Fee with Minimum Balance

  • Visa check card/ATM card
  • Pay Utility bills
  • Overdraft Protection
  • In-Touch Voice Response Phone System
  • Check Protect
    Check Out Check Protect Here
  • Image Statements
  • Combined Statements
  • ATM 24-hour banking
  • Installment Loan discount with Automatic Payment
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Checking 101

A College Student Checking Account

No Service Charge

Let "Checking 101" start you off in the right direction! If you are under 25 years of age and enrolled in college or enlisted in the Armed Forces, Citizens can serve your banking needs through our automated banking system.

EASY TO OPEN
As a Checking 101 customer, you can open your checking account with a low minimum amount and automatically receive our ATM/VISA Check Card for use while you are away from home. Your VISA Check Card is a quick and easy way to pay for purchases or services and have them deducted directly from your checking account. You can also use it as you have always used your ATM card. It gets you cash almost everywhere... it does everything your ATM card does!

Eligibility - You must be under 25 years of age and enrolled in college or enlisted in the Armed Forces to qualify for this account.

  • Image Statements
  • Combined Statements
  • ATM 24-hour banking

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