Citizens Bank - Beyond Banking

Personal Checking

Citizens Bank makes it easy, with a personal checking account for every need. No matter which account you choose, you'll always get outstanding customer service from the mid-Willamette Valley's premier community bank.

Citizens Advantage Checking
Do you write lots of checks? If so, this low-fee account is the one for you.
Value Checking
Big value, minimal fee. The ideal account for those who write just a few checks per month.
Senior Citizens Advantage Checking
Age has its privileges. Perfect for seniors (ages 55 and up) who prefer an interest-bearing account with unlimited check writing. A fee-waiver option is also available.

Senior Budget Checking
No monthly fees. Designed for seniors (ages 55 and up) who write just a few checks per month.
Money Market Account
Earn money market rates. Designed for those who prefer an interest-bearing account and who write just a few checks per month. A fee-waiver option is also available.
NOW Account
To have it all, make it NOW. An interest-bearing account with unlimited check writing and a fee-waiver option.

CITIZENS ADVANTAGE CHECKING

AVAILABILITY	Open to all
TRANSACTIONS	Unlimited check writing
INTEREST	None
MAINTENANCE FEE	$10 per monthly statement cycle
ATM & CITIZENS CHECK CARD	Unlimited access
NO-FEE PRODUCTS & SERVICES	Standard checks (one box per order), traveler's checks, cashier's checks, notary service, direct deposit, Internet eBank Account access, 24-hour Xpress Phone banking
OVERDRAFT SERVICE	Up to $400
INTERNET BILL PAY	Available for a $2 fee per month
SAFE DEPOSIT BOX DISCOUNT	$5 discount per year, when set up as an automatic payment
INITIAL DEPOSIT REQUIRED	$100

To open a Citizens Advantage Checking Account, visit your nearest Citizens Bank branch office.

VALUE CHECKING

AVAILABILITY	Open to all
TRANSACTIONS	15 processed checks per statement cycle; additional checks $0.50 each
INTEREST	No
MAINTENANCE FEE	$6 per monthly statement cycle
ATM & CITIZENS CHECK CARD	Unlimited access
NO-FEE PRODUCTS & SERVICES	24-hour Xpress Phone Banking, notary service, direct deposit, Internet account access
OVERDRAFT SERVICE	Up to $200
INTERNET BILL PAY	Included up to 15 bill pays, over 15, $0.40 each
SAFE DEPOSIT BOX DISCOUNT	$5 discount per year, when set up as an automatic payment
INITIAL DEPOSIT REQUIRED	$100

To open a Value Checking Account, visit your nearest Citizens Bank branch office.

SENIOR CITIZENS ADVANTAGE CHECKING

AVAILABILITY	Open to customers 55 years of age and above
TRANSACTIONS	Unlimited check writing
INTEREST	Yes, contact us for current interest rate and Annual Percentage Yield
MAINTENANCE FEE	Waived if balance remains above $1,000; $10 per monthly statement cycle if balance falls below $1,000 any day of the cycle
ATM & CITIZENS CHECK CARD	Unlimited access
NO-FEE PRODUCTS & SERVICES	Standard checks (one box per order), traveler's checks, cashier's checks, notary service, direct deposit, Internet eBank Account access, 24-hour Xpress Phone banking
OVERDRAFT SERVICE	Up to $400
INTERNET BILL PAY	Available for a $2 fee per month
SAFE DEPOSIT BOX DISCOUNT	$5 discount per year, when set up as an automatic payment
INITIAL DEPOSIT REQUIRED	$100

To open a Senior Citizens Advantage Checking Account, visit your nearest Citizens Bank branch office.

SENIOR BUDGET CHECKING

AVAILABILITY	Open to customers 55 years of age and above
TRANSACTIONS	30 processed checks per monthly statement cycle; additional checks $0.50 each
INTEREST	None
MAINTENANCE FEE	None
ATM & CITIZENS CHECK CARD	Unlimited access
NO-FEE PRODUCTS & SERVICES	Standard checks (one box per order), notary service, direct deposit, Internet eBank Account access, 24-hour Xpress Phone banking
OVERDRAFT SERVICE	Up to $200
INTERNET BILL PAY	Available for a $6.00 fee per month, over 15, $0.40 each
SAFE DEPOSIT BOX DISCOUNT	$5 discount per year, when set up as an automatic payment
INITIAL DEPOSIT REQUIRED	$100

To open a Senior Budget Checking Account, visit your nearest Citizens Bank branch office.

MONEY MARKET ACCOUNT

AVAILABILITY	Open to all
TRANSACTIONS	Transactions limits apply; please refer to our Deposit Account Brochure for details
INTEREST	Yes, contact us for current interest rate and Annual Percentage Yield
MAINTENANCE FEE	Waived if balance remains above $1,000; $10 per monthly statement cycle if balance falls below $1,000 any day of the cycle
ATM & CITIZENS CHECK CARD	Transactions limits apply; please refer to our Deposit Account Brochure for details
NO-FEE PRODUCTS & SERVICES	Starter Kit, Notary Service, Direct Deposit, Internet eBank Account access, 24-hour Xpress Phone banking,
OVERDRAFT SERVICE	Not available
INTERNET BILL PAY	Not available
SAFE DEPOSIT BOX DISCOUNT	$5 discount per year, when set up as an automatic payment
INITIAL DEPOSIT REQUIRED	$100

To open a Money Market Checking Account, visit your nearest Citizens Bank branch office.

NOW ACCOUNT

AVAILABILITY	Open to all
TRANSACTIONS	Unlimited check writing
INTEREST	Yes, contact us for current interest rate and Annual Percentage Yield
MAINTENANCE FEE	Waived if balance remains above $1,000; $8 per monthly statement cycle if balance falls below $1,000 any day of the cycle
ATM & CITIZENS CHECK CARD	Unlimited access
NO-FEE PRODUCTS & SERVICES	Internet eBank Account access, 24-hour Xpress Phone banking, Notary Service, Direct Deposit
OVERDRAFT SERVICE	Up to $400
INTERNET BILL PAY	Available for a $6.00 fee per month, over 15, $0.40 each
SAFE DEPOSIT BOX DISCOUNT	$5 discount per year, when set up as an automatic payment
INITIAL DEPOSIT REQUIRED	$100

To open a NOW Checking Account, visit your nearest Citizens Bank branch office.


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