This Agreement, which includes the Fee Schedule
and Enrollment Form, is a contract establishing the rules, which
cover your electronic access to your accounts at Citizens Bank
("BANK") through Citizens eBank ("SYSTEM"). By using SYSTEM, you
accept all terms and conditions of this Agreement. Please read it
carefully. The terms and conditions of the deposit agreements and
disclosures for each of your BANK accounts as well as your other
agreements with BANK such as loans, continue to apply not
withstanding anything to the contrary in this Agreement. This
Agreement is also subject to applicable federal laws and the laws
of the State of Oregon (except to the extent this Agreement can
and does vary such rules or laws). If any provision of this
Agreement is found to be unenforceable according to its terms, all
remaining provisions will continue in full force and effect. The
headings in this Agreement are for convenience or reference only
and will not govern the interpretation of the provisions. Any
waiver (express or implied) by either party of any default or
breach of this Agreement must be in writing and shall not
constitute a waiver of any other or subsequent default or breach.
You may not assign this Agreement. This Agreement is binding upon
your heirs and BANK's successors and assigns. Certain of the
obligations of the parties pursuant to this Agreement that by
their nature would continue beyond the termination, cancellation
or expiration of this Agreement shall survive termination,
cancellation or expiration of this Agreement. This Agreement,
together with the Enrollment Form and Fee Schedule, constitutes
the entire agreement between you and BANK with respect to the
subject matter hereof and there are no understandings or
agreements relative hereto which are not fully expressed herein.
Computer Requirements: To use the service, you must have a personal computer equipped with access to the Internet. You are responsible for the selection, installation, maintenance, and operation of your computer and software. We are not responsible for any errors, failures, or malfunctions of your computer or software, or for any computer virus or related problems that may occur with your use of this service. You are responsible for ensuring that your computer and software are compatible with our system. We reserve the right to change our system requirements from time to time.
For the Internet Banking System to work properly we suggest that users have the most current Internet Explorer, Firefox, or Safari. The browser needs to be Java enabled.
To utilize our eBanking system, you must have one active account with us.
To utilize our Bill Pay or Cash Management through our eBanking system you must have an active checking account with us
As used in this Agreement, the words "we", "our",
"us" and "BANK" mean Citizens Bank. "You" and "your" refer to the
account holder authorized by BANK to use SYSTEM under this
Agreement and anyone else authorized by that account holder to
exercise control over the account holder's funds through SYSTEM.
"Account" or "accounts" means your accounts at BANK. "Electronic
fund transfers" means ATM withdrawals, pre-authorized
transactions, point of sale transactions and transfers to and from
your BANK accounts using SYSTEM including bill payments. "SYSTEM
Services" means the services provided pursuant to this Agreement,
including the Bill Payment Service. "Business days" means Monday
through Friday. Holidays are not included.
Our Internet Banking service utilizes a
comprehensive security strategy to protect accounts and
transactions conducted over the Internet. In addition to our login
security, we use SSL (secure socket layer) encryption technology
for everything done in the system. Your browser automatically
activates this technology when it attempts to connect to our
system and it will support 128-bit key lengths. Whenever SSL is
securing your communications, the browser will typically indicate
the "secure session" by changing the appearance of a small padlock
icon at the bottom of the screen from open to locked. What this
means to you is that your communications are scrambled from your
browser to our servers at all times, so no unauthorized party can
read the information as it is carried over the Internet.
Additionally, our servers have been certified by a "Certificate
Authority" to assure you that you are actually talking to our
servers instead of someone pretending to be us.
During your use of the Internet Banking system, we
will pass a "cookie" to your browser to identify you. We do not
(and cannot) use our cookies to obtain new information about you.
A "cookie" is security data given to a browser by a web server and
returned by the browser on subsequent transmissions to identify
the user and encryption information. When you log onto the system,
this cookie enables us to process multiple transactions during the
session without you having to provide your Login ID and password
for each individual transaction. After a predetermined amount of
time set by our security system or when you log off, the session
cookie is no longer accepted. A new cookie is used for each
session, so that no one can use the cookie to access your account.
For Cash Management users, a cookie may also be used to restrict
access to a specific PC for conducting business transactions.
The service requires the customer to complete the
initial registration process. This involves printing an Enrollment
Form and mailing it to our office. The information on the
Enrollment Form will identify everything we will need to enable
the service. Once we verify the information you submitted for
accuracy and authorizations, you will be notified when your
account will be activated by mail.
To use SYSTEM, you must have at least one active account
at BANK, access to Internet service and an email address. Once we
have received your signed Enrollment Form and verified your
account information, we will send you confirmation of our
acceptance of your enrollment, along with your assigned Login ID
and temporary password, through the postal system. SYSTEM can be
used to access only the BANK accounts designated for access by
SYSTEM in your Enrollment Form. You can add or delete any of your
BANK accounts from this Agreement by completing a new Enrollment
Form. Access to your accounts through SYSTEM will be based upon
the identification of users and authority levels specified by you
in your Enrollment Form. We undertake no obligation to monitor
transactions through SYSTEM to determine that they are made on
behalf of the account holder.
You can use SYSTEM to check the balance of your
BANK accounts, view BANK account histories, transfer funds between
your BANK accounts, make stop payment requests, purchase EE and
I Bonds, change your address and pay bills from your BANK accounts
in the amounts and on the dates you request if you have requested
the Bill Payment Service on your Enrollment Form. Balance and
activity information are available as of 8:00 a.m. Pacific
Time for the previous day.
You can use SYSTEM seven days a week, twenty-four
hours a day, although occasionally some or all SYSTEM services may
not be available due to emergency or scheduled system maintenance.
We agree to post notice of any extended periods of
non-availability on the SYSTEM website.
For security purposes, you are required to change your password upon your initial login to SYSTEM . You will be prompted to change your password every 360 days. Although it is not required, for your safety and security we recommend you change your password every 90 days. You determine what password you will use with a minimum of 8 characters and will need to contain 3 of the 4 following characters: one uppercaser, one lowercase, one number, and/or one special character (such as @, #, $, %); the identity of your password is not communicated to us. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth or names of children, and should be memorized rather than written down. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to SYSTEM will be revoked. To re-establish your authorization to use SYSTEM, you must contact us to have your password reset or to obtain a new temporary password.
PASSMARK SECURITY - authenticates each user to a Web site based on a password and specific positive device forensics - and, at the same time, authenticates the site to the user with visual images, offering both parties assurances that they are taking part in a legitimate transaction. You are required to choose an Image, Pass Phrase, and answer 3 questions upon your initial login to SYSTEM. You determine the Image, Pass Phrase, and answers to the questions; the identity of your Passmark Security is not communicated to us. You accept responsibility for the confidentiality and security of your Image, Pass Phrase, questions and answers. Upon three unsuccessful attempts to access the SYSTEM, your access to SYSTEM will be revoked. To re-establish your authorization to use SYSTEM, you must contact us to have your Passmark Security reset.
You understand the importance of your role in
preventing misuse of your accounts through SYSTEM, and you agree
to promptly examine the paper statement for each of your BANK
accounts as soon as you receive it. You agree to protect the
confidentiality of your account and account number, and your
personal identification information such as your driver's license
number and social security number. You understand that personal
identification information by itself or together with information
related to your account may allow unauthorized access to your
account. Your password and Login ID are intended to provide
security against unauthorized entry and access to your accounts.
Data transferred via SYSTEM is encrypted in an effort to provide
transmission security; SYSTEM utilizes identification technology
to verify that the sender and receiver of SYSTEM transmissions can
be appropriately identified by each other. Notwithstanding our
efforts to ensure that the SYSTEM is secure, you acknowledge that
the Internet is inherently insecure and that all data transfers,
including electronic mail, occur openly on the Internet and can
potentially be monitored and read by others. We cannot and do not
warrant that all data transfers utilizing BANK SYSTEM, or email
transmitted to and from us, will not be monitored or read by
You agree to pay the fees and charges as set forth
in the current fee schedule for your use of SYSTEM Services. You
agree that all such fees and charges will be deducted from the
BANK account designated as the "Primary Account" on your
Enrollment Form. If you close your Primary Account, you must
contact us immediately to designate another account as your
Primary Account. You agree to pay any additional reasonable
charges for services you request not covered by this Agreement.
You are also responsible for telephone and Internet service fees
incurred in connection with your use of SYSTEM.
Transfers initiated through SYSTEM before 5:00
p.m. Pacific Time on a business day are posted to your
account the same day. Transfers completed after 5:00 p.m. Pacific
Time on a business day, Saturday, Sunday or banking
holiday will be posted on the next business day. SYSTEM identifies
a transfer based upon the Login ID of the user who made the
electronic transfer. Accordingly, you understand and acknowledge
that the View Postings screens in both the Transfer and Bill Payer
menu options of SYSTEM will not reflect transfers made by multiple
users from the same account if different Login IDs are used. You
agree to communicate to any other persons with authorized access
to your accounts concerning any transfers or bill payments from
your accounts, in order to avoid overdrafts.
If your account has insufficient funds to perform
all electronic fund transfers you have requested for a given
business day, then: (a) Electronic fund transfers involving
currency disbursements, like ATM withdrawals, will have priority;
(b) Electronic fund transfers initiated through SYSTEM which would
result in an overdraft of your account may, at our discretion, be
cancelled and (c) In the event that electronic fund transfers
initiated through SYSTEM which would result in an overdraft of
your account are not canceled, overdraft charges may be assessed
pursuant to the terms of the deposit agreement for that account.
Checks will be paid in sequential order based on check number.
The number of transfers from BANK accounts and the
amounts that may be transferred are limited pursuant to the terms
of the applicable deposit agreement and disclosure for those
accounts. If a hold has been placed upon deposits made to an
account from which you wish to transfer funds, you cannot transfer
the portion of the funds held until the hold expires.
CheckFree is the Bill Payment Service offered by
Citizens Bank. When you enroll for this service there are
additional Terms and Conditions you will need to read and agree
Please refer to the fee schedule below
Citizens Bank recognizes and respects your
expectations of privacy. We will take the necessary steps to
ensure that information you share with us remains confidential.
All Citizens Bank employees recognize the privacy concerns of
customers and practice sensible "Privacy safeguards" in their
everyday activities. We do not reveal information about our
customers, or their accounts, to parties outside the Bank for
their independent use unless: 1) to help complete a
customer-initiated transaction, 2) to help administer the
institution's bona fide business, 3) at the customer's request, 4)
the disclosure of information is required, by law (i.e.,
subpoena), 5) to a reputable information reporting agency (i.e.,
credit bureau), 6) after the customer has been informed about the
possibility of such disclosure through a prior communication and
is given the opportunity to decline (i.e., "opt out").
You will not receive a separate SYSTEM statement.
Transfers to and from your accounts using SYSTEM will appear on
the respective periodic paper statements for your BANK accounts.
We may change any term of this Agreement at any
time. If the change would result in increased fees for any SYSTEM
service, increased liability for you, fewer types of available
electronic fund transfers or stricter limitations on the frequency
or dollar amount of transfers, we agree to give you notice at
least 21 days before the effective date of any such change, unless
an immediate change is necessary to maintain the security of an
account or our electronic fund transfer system. We will post any
required notice of the change in terms on the BANK SYSTEM website
or forward it to you by email or by postal mail. If advance notice
of the change is not required, and disclosure does not jeopardize
the security of the account or our electronic fund transfer
system, we will notify you of the change in terms within 30 days
after the change becomes effective. Your continued use of any or
all of the subject SYSTEM Services indicates your acceptance of
the change in terms. We reserve the right to waive, reduce or
reverse charges or fees in individual situations. You acknowledge
and agree that changes to fees applicable to specific accounts are
governed by the applicable deposit agreements and disclosures.
The Electronic Fund Transfer Disclosure does not
apply to any accounts other than consumer accounts, as defined by
Indicated below are types of Electronic Fund
Transfers we are capable of handling, some of which may not
apply to your account. Please read this disclosure carefully
because it tells you your rights and obligations for the
transactions listed. You should keep this notice for future
You may make arrangements for certain direct
deposits to be accepted into your checking or savings account(s).
You may make arrangements to pay certain recurring
bills from your checking or savings account(s).
You may provide your check to a merchant or
service provider who will scan the check for the encoded bank and
account information. The merchant or service provider will then
use this information to convert the transaction into an electronic
funds transfer. This may occur at the point or purchase, or when
you proved your check by other means such as by mail or drop box.
Some merchants or service providers will initiate
an electronic funds transfer to collect a charge in the event a
check is returned for insufficient funds.
ATM Transfers - types of transfers, dollar
limitations, and charges - You may access your account(s) by ATM
using your ATM card and personal identification number or Check
Card and personal identification number, to:
Make deposits to checking account(s) with an
ATM or Check Card at Citizens Bank locations only
Make deposits to savings account(s) with an ATM
or Check Card at Citizens Bank locations only
Get cash withdrawals from checking account(s)
with an ATM or Check Card
You may withdraw no more than $300.00 per day
Get cash withdrawals from savings account(s)
with an ATM or Check Card
You may withdraw no more than $300.00 per day
Transfer funds from savings to checking
account(s) with an ATM or Check Card
Transfer funds from checking to savings
account(s) with an ATM or Check Card
Get information about:
The account balance of your checking or savings
account(s) with an ATM or Check Card. There is a charge of $1.00
for each withdrawal, transfer, or inquiry made at ATM we do not
own or operate. Some of these services may not be available at
You may access your checking account(s) to
purchase goods (in person or by phone), pay for services (in
person or by phone), get cash from a merchant, if the merchant
permits, or from a participating financial institution, and do
anything that you can do with a credit card (that a participating
merchant will accept with a credit card).
Using your card:
You may not exceed a limit of $1,500.00 in your
checking account for purchases in person.
You may not exceed a limit of $700.00 per card
in your checking account on PIN transactions per day.
When you use your VISAฎ branded debit card at a
merchant that settles in currency other than US dollars, the
charge will be converted into the US dollar amount. The currency
conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.
Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.
You agree not to use your card(s) for illegal
gambling or other illegal purpose. Display of a payment card log
by, for example, on online merchant does not necessarily mean that
transactions are lawful in all jurisdictions in which the
cardholder may be located.
types of transfers, dollar limitations, and
charges - You may access your account(s) by computer by logging
onto our website at
www.citizensEbank.com and using your login ID and password to:
Transfer funds from savings to checking
Transfer funds from checking to savings
Transfer funds from checking account(s) to loan
Transfer funds from savings account(s) to loan
Get Information about your checking, savings,
CD, and loan account(s)
You may make arrangements for certain recurring
bills from your checking or savings account(s)
Payments can be made to anyone, whether they
accept electronic payments or not
Enter bills today and set them to pay at a later
Set recurring bills to pay automatically
We do not charge for direct deposits to any type
of account. Except as indicated elsewhere, we do not charge for
these electronic fund transfers
When you use an ATM not owned by us, you may be
charged a fee by the ATM operator or any network used (and you may
be charged a fee for a balance inquiry even if you do not complete
a fund transfer.)
Terminal transfers. You can get a receipt at the
time you make any transfer to or from your account using one of
our automated teller machines or point-of-sale terminals. However, you may not get a receipt if the amount of the transfer is $15.00 or less.
Preauthorized credits. If you have arranged to
have direct deposits made to your account at least once every 60
days from the same person or company, you can call us at (541)
752-5161 to find out whether or not the deposit has been made.
Periodic statements. You will get a monthly
account paper statement from us for your transaction accounts. You
will get a monthly account paper statement from us for your
statement savings accounts, unless there are no transfers in a
particular month. In any case, you will get a paper statement at
Right to stop payment and procedure for doing
so. If you have told us in advance to make regular payments
out of your account, you can stop any of these payments. Here is
Call or write us at the telephone number or address listed at the
end of this disclosure in time for us to receive your request 3
business days or more before the payment is scheduled to be made.
If you call, we may also require you to put your request in
writing and get it to us within 14 days after you call. Please
refer to our separate fee schedule for the amount we will charge
you for each stop-payment order you give.
Notice of varying amounts. If these
regular payments may vary in amount, the person you are going to
pay will tell you, 10 days before each payment, when it will be
made and how much it will be. (You may choose instead to get this
notice only when the payment would differ by more than a certain
amount from the previous payment, or when the amount would fall
outside certain limits that you set.)
Liability for failure to stop payment of
preauthorized transfer. If you order us to stop one of these
payments 3 business days or more before the transfer is scheduled,
and we do not do so we will be liable for you losses or damages.
Liability for failure to make transfers. If
we do not complete a transfer to or from your account, including a
bill payment, on time or the correct amount according to our
agreement with you when you have properly instructed us to do so,
we will be liable for your losses or damages caused as a result.
However, there are some exceptions. We will not be liable for
If, through no fault of ours, you do not have
enough money in your account to make the transfer.
If you have an overdraft line and the transfer
would go over the credit limit.
If the automated teller machine where you are
making the transfer does not have enough cash.
If the terminal or system was not working
properly and you knew about the breakdown when you started the
If circumstances beyond our control (such as
fire or flood) prevent the transfer, despite reasonable
precautions that we have taken.
There may be other exceptions stated in our
agreement with you.
If a legal order directs us to prohibit
withdrawals from the account
If your account is closed, or if it has been
If you, or anyone authorized by you, commits any
fraud or violates any law or regulation.
If you have not provided us with complete and
correct payment information for the Bill Payment Service,
including, without limitation, the name, address, your
payee-assigned account number, payment date
If you have not properly followed the on-screen
instructions for using SYSTEM
1) Generally. Tell us AT ONCE if you believe your card and/or
code has been lost or stolen, or if you believe that an electronic
fund transfer has been made without your permission using
information from your check. Tell us AT ONCE if you believe your
password has been lost, stolen, or used without your
authorization, or otherwise compromised, or if someone has
transferred or may transfer money from your accounts without your
permission. Telephoning is the best way of keeping your possible
losses down. You could lose all the money in your account (plus
your maximum overdraft line of credit). If you tell us within 2
business days, you can lose no more than $50.00 if someone used
your card and/or code without your permission.
If you do NOT tell us within 2 business days
after you learn of the loss or theft of your card, password
and/or code, and we can prove we could have stopped someone
from using your card and/or code without your permission if
you had told us, you could lose as much as $500.00
Also, if your statement shows transfers that you
did not make, tell us at once. If you do not tell us within 60
days after the statement was mailed to you, you may not get back
any money you lost after the 60 days if we can prove that we could
have stopped someone from taking the money if you had told us in
time. If a good reason (such as a long trip or a hospital stay)
kept you from telling us, we shall extend the time periods.
2) Additional Limits on Liability for
VISAฎ-branded debit cards. Unless you have been grossly negligent
or have engaged in fraud, you will not be liable for any
unauthorized transactions using your lost or stolen VISAฎ-branded
debit card. This additional limit on liability does not apply to
ATM transactions, to transactions using your Personal
Identification Number which are not processed by VISAฎ, or to
(b) Contact in event of unauthorized transfer.
If you believe your card and/or code or password has been lost or
stolen or that someone has transferred or may transfer money from
your account without your permission, call or write us at the
telephone number or address listed at the end of this disclosure.
In Case of Errors or Questions About Your
Electronic Transfers, including Bill Payments, Call or Write us at
the telephone number or address listed at the end of this
disclosure, as soon as you can, if you think your paper statement
or receipt is wrong or if you need more information about a
transfer listed on the paper statement or receipt. We must hear
from you no later than 60 days after we sent the FIRST paper
statement on which the problem or error appeared.
Tell us your name and account number (if any).
Describe the error or the transfer you are
unsure about, and explain as clearly as you can why you believe
it is an error or why you need more information.
Tell us the dollar amount of the suspected
If the suspected error relates to a bill payment
made via the SYSTEM Bill Payment Service, tell us the account
number used to pay the bill, payee name, the date the payment
was sent, payment amount, and the payee account number for the
payment in question (this information appears on the Payment
History - Payment Inquiry Screen).
If you tell us orally or by email, we may require
that you send us your complaint or question in writing within 10
business days. We will determine whether an error occurred within
10 business days (5 business days for VISAฎ-branded debit card
point-of-sale transactions and 20 business days if the transfer
involved a new account) after we hear from you and will correct
any error promptly. If we need more time, however, we may take up
to 45 days (90 days if the transfer involved a new account, a
point-of-sale transaction, or a foreign-initiated transfer) to
investigate your complaint or question. If we decide to do this,
we will credit your account within 10 business days (5 business
days for VISAฎ-branded debit card point-of-sale transactions and
20 business days if the transfer involved a new account) for the
amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we
do not receive it within 10 business days, we may not credit your
account. Your account is considered a new account for the first 30
days after the first deposit is made, unless each of you already
has an established account with us before this account is opened.
We will tell you the results within 3 business days after
completing our investigation. If we decide that there was no
error, we will send you a written explanation. You may ask for
copies of the documents that we used in our investigation.
PO Box 30
Corvallis, OR 97339-0030
Contact Us (Please do not send sensitive information via e-mail.)
Our business days are Monday through Friday,
excluding Federal holidays.
We may revoke your electronic fund transfer privileges at any time
without notice, cause, or liability to you and without affect to
your obligations under any account agreement. We may change any
account agreement by mailing a written notice to your address (as
it appears on our records) at least 21 days before the change
becomes effective, except that prior notice may not be given to
you if the change is necessary to maintain the security of your
account or the electronic fund transfer system. If the account is
a joint account, each of you, separately, and both of you together
are responsible for complying with all account agreements.
We make no warranty of any kind, express or
implied, including any implied warranty of merchantability or
fitness for a particular purpose, in connection with the SYSTEM
Services provided to you under this Agreement. We do not and
cannot warrant that SYSTEM will operate without errors, or that
any or all SYSTEM Services will be available and operational at
all times. Except as specifically provided in this Agreement, or
otherwise required by law, you agree that our officers, directors,
employees, agents or contractors are not liable for any indirect,
incidental, special or consequential damages under or by reason of
any services or products provided under this Agreement or by
reason of your use of or access to SYSTEM, including loss of
profits, revenue, data or use by you or any third party, whether
in an action in contract or tort or based on a warranty. Further,
in no event shall the liability of BANK and its affiliates exceed
the amounts paid by you for the services provided to you through
The BANK is not responsible for any electronic
virus or viruses that you may encounter. We encourage our
customers to routinely scan their PCs and diskettes using a
reliable virus detection product to detect and remove any viruses.
Undetected or unrepaired viruses may corrupt and destroy your
programs, files and even your hardware. Additionally, you may
unintentionally transmit the virus to other computers.
You may cancel your SYSTEM service at any time by
providing us with written notice by postal mail or fax. Your
access to SYSTEM will be suspended within 3 business days of our
receipt of your instructions to cancel the service. You will
remain responsible for all outstanding fees and charges incurred
prior to the date of cancellation.
You agree that we can terminate or limit your
access to SYSTEM Services for any of the following reasons:
Without prior notice, if you have
insufficient funds in any one of your BANK accounts; SYSTEM
Service may be reinstated, in our sole discretion, once
sufficient funds are available to cover any fees, pending
transfers and debits;
Upon 3 business days notice, if you do not
contact us to designate a new Primary Checking Account
immediately after you close your Primary Checking Account
Upon reasonable notice, for any other reason
in our sole discretion.
Unless this Agreement provides otherwise, you can
communicate with us in any one of the following ways:
Email -You can contact us by email at
CustomerService@citizensEbank.com (please note that banking
transactions through SYSTEM are not made via email);
Telephone - You can contact us by telephone
at 541-752-5161 or 1-800-577-1778 outside the Corvallis
Facsimile - You can contact us by fax at
Postal Mail - You can write to us at:
Citizens Bank, 275 SW 3rd St., PO Box 30, Corvallis, OR
In Person - You may visit us in person at
any one of our locations: *
to the Contact Page
You agree that any notice or other type of
communication provided to you pursuant to the terms of this
Agreement, and any future disclosures required by law, including
electronic fund transfer disclosures, may be made electronically
by posting the notice on the BANK SYSTEM website or by email. You
agree to notify us immediately of any change in your email
Transfer between linked Citizens Bank accounts
Access and print available statements online
Search for posted checks or deposits into account
| No Charge
Advantage & Senior Citizens Advantage accounts, $2.00
per month. Includes 15 bill payments per statement
cycle; over 15, $0.40 each
Senior Budget & Shareholder Advantage accounts,
$6.00 per month. Includes 15 bill payments per statement
cycle; over 15, $0.40 each
Value Account, no monthly fee. Includes 15 bill
payments per statement cycle; over 15, $0.40 each
$.50 each ACH transaction
$17.00 each domestic wire transfer
No charge for currency orders online
stop payment request and $28.95 for each renewal
Research $20.00 per hour
No additional fee to order Savings Bonds online
No fee to change address online
No fee for use of on line Q-card reminders
All charges listed above will be automatically
deducted from your designated primary Citizens Bank account
and will appear on your account statement.
Fees previously disclosed to you in connection
with the terms and conditions of each of your Citizens Bank
accounts continue to apply when using this online banking service.
Please refer to the Citizens Bank Guide to Services for a listing
of fees associated with those accounts.
All fees associated with installation, maintenance
and operation of any software, including fees accessed by your
Internet Service Provider or telephone company during connection
to Citizens eBank on line Banking System are the sole
responsibility of the customer.
Fees subject to change.