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Personal Banking

Look ahead: Checking | Savings | CDs  & IRAs | Lending | Card Services

Checking

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Spark Checking

An account ideal for those that need a jumpstart – No fuss banking solutions without the unnecessary complications that come with managing a bank account. Just the spark you need to begin your banking relationship.

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  • $100 Minimum Opening Deposit
  • $4 monthly service charge waived by maintaining a $100 daily account balance
  • Convenience of Online & Mobile Banking
  • Debit Card Available
  • Account Limitations: No check writing
  • Refer to Fee Schedule for product fees and charges
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Foundation Checking

The ideal account with all the essentials to manage your money to create the financial foundation you need.

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  • $100 Minimum Opening Deposit
  • $7 monthly service charge waived by maintaining a $250 average daily account balance
  • Convenience of Online & Mobile Banking
  • Debit Card Available
  • No account limitations
  • Refer to Fee Schedule for product fees and charges
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Prestige Checking

Honoring those that have paved the way, this account is specifically dedicated to our members 50 years and older.

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  • Available to individuals 50 and older
  • $100 Minimum Opening Deposit
  • $7.50 monthly service charge waived by having a Direct Deposit
  • Convenience of Online & Mobile Banking
  • Debit Card Available
  • Account Limitations: Available to individuals age 50 and older
  • Refer to Fee Schedule for product fees and charges
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Legacy Interest Checking

Activate your financial legacy. You’ve worked hard for your money, so now it’s time for it to work hard for you.

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  • $1,000 Minimum Opening Deposit
  • $12 monthly service charge waived by maintaining a $1,000 average daily account balance
  • Convenience of Online & Mobile Banking
  • Debit Card Available
  • Competitive Interest Rate
  • No Account Limitations
  • Refer to Fee Schedule for product fees and charges
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Scholar Student Checking

This is for our future leaders who need space to build financial acumen/acuity and have access to resources along the way.

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  • Available to students 23 and younger with valid school IDs
  • $25 Minimum Opening Deposit
  • $1 monthly service charge
  • E-Statements only
  • Debit Card Available
  • Account Limitations: No check writing
  • Refer to Fee Schedule for product fees and charges

Personal Savings

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Heritage Savings

Earn interest on your deposit with a simple savings account-perfect for stashing cash for a rainy day or other major milestones.

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  • $100 Minimum Opening Deposit
  • $5 monthly service charge waived by maintaining a $100 daily account balance
  • Convenience of Online & Mobile Banking
  • ATM Card Available
  • Competitive Interest Rate
  • Account Limitations: Limited to 6 withdrawals per month
  • Refer to Fee Schedule for product fees and charges
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Holiday Club Savings

Start saving cash early with this savings designed to lighten the financial burden that comes with last minute holiday shopping.

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  • $25 Minimum Opening Deposit
  • No monthly service charge
  • Annual disbursement in November
  • Convenience of Online & Mobile Banking
  • Competitive Interest Rate
  • Account Limitations: Bill Pay, ATM/Debit Cards are not accessible on this account
  • Refer to Fee Schedule for product fees and charges
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Empower Money Market

Feel empowered to take your savings to the next level with competitive rates and flexible access to funds.

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  • $5,000 Minimum Opening Deposit
  • $15 monthly service charge waived by maintaining a $5,000 daily account balance
  • Convenience of Online & Mobile Banking
  • Tiered Competitive Interest Rates
  • Account Limitations: Limited to 6 withdrawals per month, ATM/Debit Cards are not available on this account
  • Refer to Fee Schedule for product fees and charges
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Start-Up Savings

Before you soar, start by learning the basics of banking and watch how your money grows

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  • Available for Individuals 18 and younger
  • $10 Minimum Opening Deposit
  • No monthly service charge
  • Convenience of Online & Mobile Banking
  • Competitive Interest Rate
  • Account Limitations: Limited to 6 withdrawals per month
  • Refer to Fee Schedule for product fees and charges

CDs & IRAs

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Certificates of Deposit (CDs)

Our CDs are a great option for saving. They are FDIC-insured and they yield a variety of interest rates to fit your unique needs.  At Citizens Bank, we offer CDs with competitive rates and a range of maturity options*. They are FDIC insured & yield a variety of interest rates to fit your unique needs.

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  • Short-term CDs: 3-month Certificate of Deposit
  • Medium-term CDs: 6 to 18-month Certificate of Deposits
  • Long-term CDs: 24-month or longer Certificate of Deposits

If you would like to speak with a Citizens Bank associate regarding CD options, please contact us.

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Individual Retirement Accounts

An IRA remains one of the best types of personal banking products for retirement savings. Individual Retirement Accounts (IRAs) are a tax-advantaged savings vehicle for retirement.

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Planning for retirement seems like a complicated task. At Citizens Bank, we provide you with simple, user-friendly tools to secure your financial future. We would be honored to assist you with any questions you may have concerning contribution limits, deduction limits, rollovers, and more.

If you’d like to speak with a Citizens Bank associate regarding retirement options, please contact us.

Personal Lending

Personal Loans

Whether you’re looking to purchase a vehicle, cover an unexpected expense, or – better yet – go on vacation, Citizens Bank is ready to lend you a helping hand.

Apply for a personal loan or discuss personal loan rates today by calling the branch location nearest you.

 

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Start Your Application Today

Personal Loan Application

Loan Application

Complete all sections of the below form, upload any supporting documents, and click “submit form”. Our Loan Request Form is for personal loans and is NOT intended for Business use.

Borrower Information(Required)
Loan Type(Required)

Borrower Information

Current Address(Required)
Current Address(Required)
Employment(Required)
Employer Address(Required)
Drop files here or
Accepted file types: jpg, jpeg, gif, pdf, png, txt, officedocs, (word, excel, powerpoint), Max. file size: 8 MB.
    Click "Select files" to select a file or multiple files for upload. For large files, this process may take a couple of minutes. If you accidentally select the wrong file, click the red "DELETE FILE" next to its name to remove it. Your files will be attached to this form when submitting. IF YOU ARE UPLOADING FROM A MOBILE BROWSER, please select an existing file on your device, rather than attempting to upload files directly from the Camera app.
    Consent(Required)

     

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    Credit Cards

    Selecting the right credit card shouldn’t be complicated.  That’s why we offer simple options designed around your preferences, whatever they are.

    You can view credit card history and pay your credit card statement online by accessing your account at www.mycardstatement.com.

    *All credit requests are subject to approval

    Start Your Application Today

    Credit Card Application

    Loan Application (1)

    Complete all sections of the below form, upload any supporting documents, and click “submit form”. Our Loan Request Form is for personal loans and is NOT intended for Business use.

    Borrower Information(Required)
    Loan Type(Required)

    Borrower Information

    Current Address(Required)
    Current Address(Required)
    Employment(Required)
    Employer Address(Required)
    Drop files here or
    Accepted file types: jpg, jpeg, gif, pdf, png, txt, officedocs, (word, excel, powerpoint), Max. file size: 8 MB.
      Click "Select files" to select a file or multiple files for upload. For large files, this process may take a couple of minutes. If you accidentally select the wrong file, click the red "DELETE FILE" next to its name to remove it. Your files will be attached to this form when submitting. IF YOU ARE UPLOADING FROM A MOBILE BROWSER, please select an existing file on your device, rather than attempting to upload files directly from the Camera app.
      Consent(Required)

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