Citizens Value Account

Basic checking account with no monthly maintenance fees. No copies of checks included with monthly statement.

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Citizens Advantage Account

Basic checking account and no maintenance fees for average balances of $500 per statement cycle.

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Citizens Club & Citizens Gold Accounts

Regular checking account plus benefits for members that include travel discounts, cell phone insurance coverage, AD&D insurance coverage, and much more. Monthly membership fee is $7. Customers age 50 & over enjoy the same great benefits for only $5 per month.

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Citizens NOW & Super NOW Accounts

You can earn interest on your accounts with no limitations on the number of transactions. NOW Accounts must maintain an average balance of $1500 and Super NOW Accounts $2500 per statement cycle. You may also choose to access benefits of the Citizens Club/Gold Account while earning interest.

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Statement Savings Account

The perfect non-transactional account to save for the future and earn interest on your account funds.

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Christmas Club Account

Save money all year for the extra expenses in December. Payout each year is in early November & there is no minimum balance requirement.

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Money Market Account

Perfect account to save money while still being able to have up to 6 withdrawals per statement cycle.

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Beneficial Owner Accounts


Your relationship is important to us and our goal is to be as efficient as possible while adhering to all laws and regulations. In an effort to better serve our business customers, we want to inform you, in advance, of new requirements when opening any account.

Beginning May 11, 2018, federal regulations require all banks to obtain the name, address, date of birth, social security number, and a copy of an identifying document (either a driver’s license or state-issued ID) for the following:

  • each individual owning, either directly or indirectly, 25% or more of the legal entity; and
  • one person who has significant authority or managerial control of the legal entity, and their title

If you plan to open a new account (checking, loan, savings, etc.) on behalf of a legal entity, please bring the information listed above, along with a copy of a current driver’s license for each identified individual. The new regulation requires us to obtain this information EACH TIME you establish a new account with us. The person opening the account must provide this information and sign to certify the information is accurate to the best of their knowledge.

Covered legal entities include:

  • Corporations
  • Limited Liability Companies (LLCs)
  • Limited Partnerships
  • General Partnerships
  • Business Trusts
  • Nonprofit Organizations (only identify person with significant managerial control)
  • Incorporated Charities (only identify person with significant managerial control)
  • Any other entity created by filing of public document with Secretary of State or similar office.

This rule does not apply to the following legal entities:

  • Sole Proprietorships
  • U.S. or State Government Entities
  • Publicly-traded Companies or Subsidiaries
  • Unincorporated associations (such as scout troops or youth leagues)

We sincerely appreciate your assistance in helping us comply with this new regulation. Your business relationship is important to us!