man paying with credit card

Personal Checking

Citizens Bank offers personal checking accounts with a variety of features so you can have an account that compliments your lifestyle.  No matter which account you choose, you will gain the freedom to do more with your money because every personal checking account from Citizens Bank offers these FREE benefits:

Choose Your Personal Checking Account

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Benefits Checking

Do more and worry less. Citizens Bank’s Benefits Checking accounts include valuable protections and discounts at a very low price.

  • Cell phone protection
  • CyberScout® identity theft resolution
  • Roadside assistance
  • $10,000 accidental death and dismemberment insurance [1]
  • Shopping, dining, and travel discounts
  • First box of standard checks FREE
See additional disclosures [10]
$50

To Open

$6.95

Monthly Fee [3][9]

$0

Min. Balance

Open Your Account Today!
happy friends

Simply Free Checking

Who says you can’t get something for nothing? Citizens Bank’s Simply Free Checking is our most flexible personal savings account.

See additional disclosures[10]

$50

To Open

$0

Monthly Fee[3]

$0

Min. Balance

Open Your Account Today!
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Preferred Interest Checking

Earn interest and watch your balance grow with Preferred Interest Checking from Citizens Bank. 

  • First box of standard checks FREE
  • Higher interest rate with a balance of $1,000 or more[16]
  • Competitive interest if the balance falls below $1,000[2][16]
  • Only $6.95 monthly charge if minimum balance falls below $1,000

For current rate and yield information please call us at (606) 256-2500. Interest will be compounded monthly and credited to your account monthly.[15] We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on noncash items (for example, checks) begins to accrue on the business day you deposit the noncash items.

See additional disclosures.[10][11][12][14]

$50

To Open

$0 or $6.95

Monthly Fee [3][13]

$1,000

Min. Balance

Open Your Account Today!
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50 Plus Interest Checking

Those 50 and over can earn interest at a competitive rate[2][17] and pay no monthly service fees.

  • First box of standard checks FREE
  • Competitive interest [2]

For current rate and yield information please call us at (606) 256-2500. Interest will be compounded monthly and credited to your account monthly[15].  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on noncash items (for example, checks) begins to accrue on the business day you deposit the noncash items.

See additional disclosures.[10][12]

$50

To Open

$0

Monthly Fee [3]

$0

Min. Balance

Open Your Account Today!

[1] $10,000 Accidental Death and Dismemberment Insurance Coverage is provided at no additional charge. Total coverage splits evenly among
all authorized signers as indicated on the account opening signature cards. Insurance products are not deposits, not FDIC Insured, not insured by any federal government agency, not guaranteed by the bank.

[2] Competitive information was obtained directly from vendors or their websites during the week of 10/16/23. Some vendors may have introductory offers or additional ways to waive the monthly service fee.

[3] Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details.

[4] Minimum opening deposit is only $50. Ask us for details.

[5] Bank rules and regulations apply.

[6] Offer good on personal accounts only; ask us about our outstanding options for your business or organization.

[7] Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.

[8] Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.

[9] A service charge of $6.95 will be charged to this account each statement cycle regardless of the balance in the account for the benefits listed

[10] A Premature Account Closing Fee of $15 will be applied to this account if it is closed within the first 90 days of account opening.

[11] The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. 

[12] At our discretion, we may change the interest rate on your account at any time. 

[13] A service charge of $6.95 will be imposed every statement cycle if the balance in the account falls below $1,000 any day of the statement cycle.

[14] You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. 

[15] If you close your account before interest is credited, you will receive the accrued interest.

[16] The Interest Rate and Annual Percentage Yield on this account depends on the balance in the account.

[17] At least one account owner must be 50 years old or better to open and maintain this account.