Citizens Bank & Trust has a checking account to fit every need and lifestyle. Browse our accounts to find the one that fits you.


All Citizens accounts include these awesome features:
  • Online Banking
  • FREE Instant Issue Debit Cards

Online Account Opening

Everyone loves getting a good deal…especially when it comes to managing your money. The Citizens Value Account offers a free, no hassle checking account with all the necessities.

Manage your account easily with features like online banking, mobile banking, eStatements, and more. Check out our Switch Kit to conveniently change your automatic drafts coming out of your previous bank account.

  • No Monthly Service Charge
  • Individuals Only
  • No Minimum Balance Required
  • Free Instant Issue Debit Card
  • Online Banking Required
  • Unlimited Check Writing
  • Must take an eStatement*
*$1.00 per month for a paper statement w/ Imaged Checks 
$1.00 per month for text alerts
Earn a higher interest rate on your money with our Max Checking Account.  Receive a higher Annual Percentage Yield* on balances up to $30,000 when you meet the following account qualifications during qualification period**:
  • Must be enrolled in Online Banking and receive e-Statements
  • Must log onto Online Banking at least once during each monthly “qualification period”
  • Must have at least one scheduled ACH transaction (  Credit or Debit) during each monthly qualification period
  • Must have at least 15 posted debit card “point of sale” transactions during each monthly qualification period (ATM transactions excluded)
*See Customer Service Rep for rate and qualification requirements. Personal account only. Rates subject to change at the bank’s discretion. 
**Qualification Period is defined as:  the period from the previous statement date through the Tuesday before the third Wednesday of each month
Want more from your checking account? Switch to our Citizens Plus Account!

It gives you the no hassle you deserve, PLUS added features. With the Citizens Plus Account, you get a free order of personalized checks, and Overdraft Fee Forgiveness**, for those times you just didn’t have enough money in your account.

  • Individuals only
  • Free first order of personalized wallet checks
  • Free Instant Issue debit card
  • Free online banking
  • Unlimited check writing
  • Free paper statement w/ Imaged Checks
  • Free text alerts
  • Free bill pay
  • $4.00 service charge if balance falls below $200.00*
  • Overdraft Fee Forgiveness**
* Waived the first month
** Customer Will Receive 2 Free Overdraft Fees Per Year
Ultimate means the best achievable or imaginable of its kind… which is exactly what this checking account is!

This checking account has so many features that can directly benefit you, all while saving you money at the same time. Get the ultimate experience by earning interest on your money, receiving an interest rate discount on your consumer loan, free club checks, and that’s just naming a few!

  • Individuals only
  • Free club checks
  • Free instant issue debit card
  • Free online banking
  • Unlimited check writing
  • Free paper statement w/ Imaged Checks
  • Free text alerts
  • Free bill pay
  • Overdraft Fee Forgiveness*
  • $7 Monthly service charge
  • $10 Annual Discount on Safe Deposit Box
  • .25% discount on Consumer Loans**
  • Interest on checking with $500.00 minimum daily collected balance
* Customer Will Receive 4 Free Overdraft Fees Per Year
** With Credit Approval
(60 Plus Customers)

Are you finally ready to slow down and simplify your life? Well if you are, our No Frills Senior Account is the account for you! This account gives you a basic, no hassle account while giving you free perks along the way. Features include:

  • No Monthly Service Charge
  • Free Personalized Wallet Checks
  • Free Bill Pay
  • Free Text Alerts
The account you’ve all been waiting for!!

You’ve worked hard all your life…it’s time you get compensated for it! Exclusively for our customers 50 or better, our Prestige Platinum Club account lets you earn interest on your money AND take advantage of our Bank-escorted Group Travel. Whether you are ready to travel the world or slow down and smell the roses, this account is designed with you in mind. Come in today to take advantage of this exclusive account!

  • Financial Services
    Just a $1,000 Average Daily Balance
    When you keep a $1,000 average daily balance in your Prestige Platinum Club checking you will avoid the monthly fee. Should your average daily balance drop below $1,000, a $10 monthly fee will be charged.
    Interest on Checking
    Earn interest on the average daily balance of your Prestige Platinum Club checking account.
    Unlimited Check Writing
    As a member of Prestige Platinum Club, you may write as many checks as you want at no additional charge.
  • Personalized Checks
  • Our club checks will be provided to you at no additional charge as a Prestige Platinum Club member.
  • Convenience Banking
    Direct Deposit of Social Security and Payroll Checks
    Automatic Funds Transfer
    You save money by authorizing us to transfer funds each month from your checking to savings or arrange for loan payments to be automatically deducted from your Prestige Platinum Club.
  • Additional Benefits Available at No Charge
    • Online Banking
    • Telephone Banking
    • Notary Service
    • Money Orders and Cashier’s Checks
    • $10 Annual Safe Deposit Box Discount
    • Bill Pay
  • Lifestyle Benefit

Initial Trust and Estate-Planning Consultation

If you are interested in receiving expert advice on investments, planning and professional money management, you are welcome to discuss your needs with our Trust Department. Prestige Platinum Club members receive an initial consultation at no charge.

Visit the EDIE (Electronic Deposit Insurance Estimator) website to find out if you have adequate deposit insurance for your account.