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Whether you are just getting started, teaching a child to save, saving for a specific project or event, or simply need a home for your funds, we have the right savings account for your needs.

Regular Savings

Earn as you save. It's that easy! Enjoy this no hassle, interest-bearing savings account for those who simply need a home for their funds.
 
  • $3.00 maintenance fee per monthly statement cycle (waived if daily balance remains above $200.00 for the entire monthly statement cycle)
  • Interest paid on this account type is a variable rate calculated on the daily collected balance and paid monthly (Interest rate subject to change; current interest rate and Annual Percentage Yield available upon request)
  • Transaction limits apply; please refer to our Personal Banking brochure for details
  • No fee for standard savings deposit and withdrawal tickets
  • An early closing fee of $10.00 will be charged if you close your account within 90 days of opening
  • Minimum balance to open account $100.00
 

Senior Savings 

No monthly fees for those 55 and up. Enjoy this hassle free, straightforward savings account!
 
  • Open to those 55 years of age and up
  • No monthly maintenance fee
  • Interest paid on this account type is a variable rate calculated on the daily collected balance and paid monthly (Interest rate subject to change; current interest rate and Annual Percentage Yield available upon request)
  • Transaction limits apply; please refer to our Personal Banking brochure for details
  • No fee for standard savings deposit and withdrawal tickets
  • An early closing fee of $10.00 will be charged if you close your account within 90 days of opening
  • Minimum balance to open account $100.00
 

Minor Savings

Now is a great time to start! Let us help you and your children start to save with the Minor Savings Account.
 
  • Open to those 18 years of age and younger
  • No monthly maintenance fee
  • Interest paid on this account type is a variable rate calculated on the daily collected balance and paid monthly (Interest rate subject to change; current interest rate and Annual Percentage Yield available upon request)
  • Transaction limits apply; please refer to our Personal Banking brochure for details
  • No fee for standard savings deposit and withdrawal tickets
  • An early closing fee of $10.00 will be charged if you close your account within 90 days of opening
  • Minimum balance to open account $25.00
 

Money Market Account

Looking for a higher interest rate for your funds? The Money Market Account is a great account with a slightly higher interest rate than a traditional savings account. With a small monthly maintenance fee that can be waived by a minimum monthly balance, the Money Market Account is a great place to earn a little extra on your funds.
 
  • $10.00 maintenance fee per monthly statement cycle (waived if daily balance remains above $1,000.00 for the entire monthly statement cycle)
  • Interest paid on this account type is a variable rate calculated on the daily collected balance and paid monthly (Interest rate subject to change; current interest rate and Annual Percentage Yield available upon request)
  • Transaction limits apply; please refer to our Personal Banking brochure for details
  • No fee for Notary Service, Direct Deposit, Online Banking Account access and 24-hour Xpress Phone banking
  • Overdraft Service is not available
  • Online Banking Bill Pay is not available
  • $5 discount per year on Safe Deposit Box when set up as an automatic payment. 
    No insurance coverage is provided on box contents by FDIC or Citizens Bank.
  • Minimum balance to open account $100.00
 

Certificate of Deposit (CD)

Looking for higher interest rates and don't need immediate access to your funds? A Certificate of Deposit may be the perfect solution for you! We offer tiered interest rates which are compounded daily and paid monthly. With our flexible terms you can set up a CD term for as little as seven days or as long as seven years! Contact any of our Branch locations for more information on terms and rates.
 
 

Individual Retirement Account (IRA)

It's never too early to plan for the future! An Individual Retirement Account at Citizens Bank can help you do just that. Planning for the future is not a sprint but more of a marathon. Invest in your future today and enjoy retirement later. IRAs can also provide a way to defer tax payments* and invest funds for retirement or education. Contact any of our Branch locations for more information on the different types of IRA accounts, terms and rates.
 
*Please consult a tax professional for specific tax advice.
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Mobile Banking

Transfer funds, check balances, and even deposit checks all on your mobile device.
 
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Personal Checking

Simple solutions or accounts with a custom feel, we are here to meet your banking needs.
 
 
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