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Citizens Advantage Checking
  • $2,500 minimum deposit to open
  • No minimum balance requirement*
  • No maintenance charge*
  • Unlimited check writing
  • Free Citizens Preferred checks
  • Free safe deposit box “3x10”
  • Free ATM transactions at Transfund locations
  • Complimentary money orders, cashiers checks, notary service, stop payments, wire transfers, transfers & Returned deposits.

Advantage Checking will pay premium rates based on the daily balance method in the checking account. (see rate chart)

*If the balance falls below $2,500.00, a $15.00 maintenance charge for that month will be assessed. Additionally, the account will not earn interest for any day the balance is below $2,500.00.



Citizens Free Checking
  • A 100.00 minimum deposit is required to open the account.
  • No minimum balance requirement
  • No maintenance charge.
  • No annual fee.
  • Unlimited check writing.
  • Free check storage.


Citizens Value Account
  • Complimentary Citizens Bank checks provided.
    (200 per order/800 per calendar year)
  • Free Notary Service.
  • Unlimited check writing.
  • Free ATM/Debit Card and unlimited Citizens Bank transactions.
  • Monthly Fee only $9.00.
  • A $200.00 minimum deposit to open.



Now Checking Accounts
  • $1,500 minimum deposit to open
  • Daily Balance  ………………….. Maintenance Charge
  • $1,500 or More…………………...No Maintenance Charge
  • $1,499.99 or less ……………… $8.00

Interest is calculated on the daily balance, based on the posted rate, and paid monthly. A daily balance of $3,000 during the statement cycle waives all charges.

All business related NOW’s are subject to per item fees as shown in the Banks Commercial Demand Deposit Account plus an $8.00 monthly maintenance fee.


FDIC

Citizens Bank of Oklahoma
 

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