Look Ahead: Check Reorder | Digital Banking | Calculators
Credit Score | Tools & Resources | Fee Schedule | Fraud Resource Center
Check Reorder
Need more personal checks?
Reordering is easy.
Once the Bank has ordered your first set of checks, you can reorder them by clicking on the link below:
Please contact us at (615) 327-9787 if you need assistance with your check ordering.
Please Note: Only check reorders can be placed through the link above for security reasons.
Digital Banking
New features include Card Swap, eBills, enhanced person to person payments, and the ability to add external bank accounts and customize your dashboard. You will also enjoy improved budgeting tools and an overall enhanced and more efficient desktop and mobile app experience.
Financial Calculators
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Home Financing
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Refinancing Calculator
Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.
Fixed Rate Mortgage Calculator
Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.
Adjustable Rate Mortgage Payments Calculator
Calculates the payments and interest on your adjustable rate mortgage.
Balloon Mortgage Payment Calculator
A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.
Mortgage Comparison Calculator
The mortgage comparison calculator gives you financial statistics on different types of loans.
Payment Plans
You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.
Home Affordability
Computes the most expensive house you can buy.
Loan Consolidation
Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Personal Financing
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Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
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Car Affordability
Calculates the most expensive car you can afford.
Saving for College
Calculates a monthly savings amount in order to reach your college savings goal.
Big Purchase
Computes how much money you will need to save each month in order to purchase something big.
Borrowing
Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.
Loan Rates
Given loan information, determines the interest rate on that loan.
Loan Payments
Determines the payment on a loan with a fixed rate.
Car Purchasing
Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.
Debt Elimination
This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Investment Financing
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Percentages cannot exceed 100
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Portfolio Yield
Enter each transaction from your investment portfolio and determine your percentage yields before and after fees and taxes.
Saving to be a Millionaire
Estimates a monthly deposit amount in order to save to a million dollars.
Investment Yield
Determines the return rate on an investment.
Future Investment
Computes what an amount invested today will be worth at some point in the future.
Time Savings
Compute the total amount you would be able to save with monthly deposits.
Needed Rate
Compute the rate of return you would need to reach your savings goal.
Initial Savings
Compute how much money you would need to start with to reach a savings goal.
Monthly Savings
Computes the monthly deposit amount needed to reach a savings goal.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Retirement Financing
Select your financial calculator below to begin.
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The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Traditional vs. Roth
Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.
Traditional IRA
Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.
Roth IRA
Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.
Retirement Savings
Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.
Retirement Rate
Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.
Retirement Funding
Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.
Monthly Spending
Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Lease Financing
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Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Affordable Lease
This calculator computes the amount you can afford to lease.
Lease Residual
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
Lease Payments
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
Lease Rate
This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.
Equipment Affordablity
This calculator computes the amount you can afford to lease.
Equipment Residual
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
Equipment Payments
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments
Equipment Lease Rate
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Credit Score
Your credit score is derived from a system used by lenders in order to approve you for credit. The scoring is calculated through analysis of your history as a bill-payer. Your score represents creditworthiness in the eyes of creditors. The score lets the inquiring lender gauge the likelihood they’ll be repaid. Credit reports are also evaluated for some jobs, insurance policies, and utility providers.
The following factors make up your credit scores:
- Type and number of accounts open
- Timely bill payment
- Amount of available credit used
- Whether you have collections
- Debt amounts outstanding
- The overall age of credit accounts
For practical answers to questions about credit reports, credit score, and the importance of protecting personal credit histories, visit the following link:
Credit Repair and How to Obtain your Credit Report
If you are trying to get your credit on the right track, the Federal Trade Commission website offer valuable information on credit repair. To learn more, read their article on “Credit Repair: How to Help Yourself.”
As you start the credit repair process, you may want to obtain a copy of your credit report. Under Federal law, you are entitled to obtain a copy from all three credit reporting agencies – Experian, Equifax, and TransUnion – every 12 months. Visit the AnnualCreditReport.com website to get your copy today.
- free copy of their credit report annually from each of the three credit reporting agencies, but you must go through the Federal Trade Commission’s website at www.annualcreditreport.com, or call 1-877-322-8228.
- Lock up your checkbook, account statements, and other sensitive information when others will be in your home.
- Get to know your banker and build a relationship with the people who handle your finances. They can look out for any suspicious activity related to your account.
- Never pay a fee or taxes to collect sweepstakes or lottery “winnings.”
- Check references and credentials before hiring anyone. Don’t allow workers to have access to information about your finances.
- Pay with checks and credit cards instead of cash in order to keep a paper trail.
- Trust your instincts. Exploiters and abusers often are very skilled. They can be charming and forceful in their effort to convince you to give up control of your finances. Don’t be fooled—if something doesn’t feel right, it may not be right. If it sounds too good to be true, it probably is.
Tools & Resources
At Citizens Bank, your financial success is our top priority. This means we take pride in helping you stay up-to-date on current financial issues and best practices for online safety. We want to give you the tools and resources you need to help you be fully financially informed.
The following financial resources were compiled with you in mind. Whether you’re looking to learn more about managing your finances, or want to know more about online user safety, the following resources are a great place to start. Click on any of the follow tabs below to begin learning.
Money
Are you looking to learn more about basic personal financial management? For tips on managing your money, click on the following links.
Fraud and ID Theft
Everyone is subject to becoming a victim of fraud and identity theft. Use the following links to learn about the precautions you can take to help keep your identity safe.
It’s important to know the steps you can take to protect your personal information. The following articles will help you understand how to protect your financial information.
Protecting your checking account
Fee Schedule
View the Fee Schedule
Fee Schedule
This Fee Schedule will become effective July 16, 2021
ATM
| ATM Daily Withdrawal Limit | $600.00 per day |
| ATM/Debit Card Fee | $1.00 per month |
| ATM/Debit Card Replacement | $15.00 |
| ATM/Debit Card Replacement (Expedited Delivery) | $50.00 |
| ATM Surcharge Fee (Non-Customers) | $4.00 |
| (The bank will refund ATM Surcharge Fees for customers on up to (4) ATM Fees, but not to exceed $25.00 per month) |
Official Check
| Official Check Fee (Customer) | $5.00 |
| Official Check Exchange (Non-Customer) | $15.00 |
Safe Deposit Box
| Rental Fee | $35.00 - $75.00 |
| (Fee Depends on size of safe deposit box) | |
| Replacement Key | $125.00 |
| Drilling Fee | $150.00 |
Overdraft Services
| Overdraft Fee | $35 per occurrence |
| Returned Item Fee (NSF) | $35.00 per occurrence |
| Maximum Number of Overdraft and Returned Item Fees | 6 per day |
The bank will waive or refund overdraft/returned item fees if the account is overdrawn $10.00 or less after all transactions are posted for the day.
An Overdraft Fee is charged when the item is paid. A Returned Item (also known as Non-Sufficient Funds or NSF) Fee is charged when the item is returned unpaid.
Bill Pay Service
| Overnight Check | $14.95 |
| Same Day Bill Pay | $9.95 |
External Transfers through Online Banking
| Next Business Day - Outbound Transfers | $7.00 |
| Next Business Day- Inbound Transfers | No Charge |
| Standard Service - Outbound Transfer | $3.00 |
| Standard Service - Inbound Transfers | No Charge |
Wire Transfer (Domestic & International)
| Domestic (Incoming and Outgoing) | $30.00 |
| International (Incoming and Outgoing) | $50.00 |
Additional Services & Fees
| Early Account Closing | $25.00 |
| (If closed within 60 days of opened date) | |
| Account Research | $25.00 per hour |
| Copy of Statement | $5.00 |
| Copy of Check Image | $2.00 |
| Returned Mail | $5.00 |
| Check Printing | Fee depends on style and quantity |
| Telephone Funds Transfer | $3.00 |
| Night Deposit Bag | $30.00 |
| (Bags are in sets of 100; 1st set at no charge) | |
| Fax Services | $3.00 per destination |
| (Additional $1.00 per page after 10 pages) | |
| Photocopy | $2.00 per page |
| Garnishments, Levies or Attachments | $100.00 |
| Returned Deposit Item | $12.00 |
| (Fee is per item deposited and/or cashed) | |
| Stop Payments | $37.00 per request |
Dormant Accounts
| Dormant Fee | $5.00 per month |
Demand Deposit Accounts with no activity for 12 consecutive months will considered Dormant. A $5.00 monthly fee will be assessed if the balance in the account falls below $500.00 any day of the month.
Savings Accounts with no activity for 24 consecutive months will be considered Dormant. A $5.00 monthly fee will be assessed if the balance in the account falls below $500.00 any day of the month.
Fraud Resource Center
The financial landscape is constantly evolving, which can make it challenging for you to stay informed about the latest financial topics and best practices for financial safety. Check out a few tips we have on preventing fraud and identity theft
Prevent Fraud & ID Theft
Passwords
The National Institute of Standards and Technology (NIST) recommends that passwords should be “easy to remember” but “hard to guess.”
NIST guidance recommends the following for passwords:
- An eight character minimum and 64 character maximum length
- Use a special characters (but not a requirement)
- Do not use sequential and repetitive characters (e.g. 12345 or aaaaaa)
- Do not use context specific passwords (e.g. the name of the site, etc.)
- Do not use commonly used passwords (e.g. p@ssw0rd, etc.)
- Do not reuse previously breeched passwords
Online Banking
Remember to log off after viewing your bank account activity online.
Do not register a computer for repeated use if you are using a public computer or someone else’s computer to access online banking or other websites that contain sensitive or personal information.
PIN
Keep your debit card PIN confidential. If you have shared your PIN for any reason, stop by your local branch and have your PIN changed.
When using your debit card, select credit when possible. This lessens the chances of someone tracking your PIN and accessing your financial information, and it enables consumer protections provided by Regulation E.
Avoid Financial Scams
Use extreme caution when you receive a phone call or text asking for personal information such as your social, or any information pertaining to your finances.
In case Citizens Bank’s fraud prevention team needs to contact you, it’s always a great idea to ensure we always have your current email address and phone number(s) on file. Stop by or call any of our locations and a bank associate will be happy to update this information for you.
General Account Information
Never provide your full account number or social security number over the phone.
If you see suspicious activity on your account contact the bank right away.
Click here to see more general guidelines about online tips from www.OnGuardOnline.gov.
Preventing Financial Elder Abuse
Tips to Stay Safe
The American Bankers Association* suggests the following tips to help seniors safeguard their money:
- Keep personal information private. Never share your social security number, account information, or personal details over the phone or internet, unless you initiated contact with a trusted source.
- Shred! Shred! Shred! Shred receipts, bank statements, and unused credit card offers before throwing them away so fraudsters can’t piece together your personal information.
- Don’t let a so-called “advisor” pressure you. Never let a new or untrusted “advisor” pressure you into sharing personal or financial details. They could be a fraudster. Carefully choose a trustworthy person to act as your agent in all estate-planning matters.
- Check your credit report. Check your credit report at least once a year to ensure no new credit cards or accounts have been opened by criminals in your name. Everyone is entitled to receive a free copy of their credit report annually from each of the three credit reporting agencies, but you must go through the Federal Trade Commission’s website at www.annualcreditreport.com, or call 1-(877) 322-8228.
- Lock up your checkbook, account statements, and other sensitive information when others will be in your home.
- Get to know your banker and build a relationship with the people who handle your finances. They can look out for any suspicious activity related to your account.
- Never pay a fee or taxes to collect sweepstakes or lottery “winnings.”
- Check references and credentials before hiring anyone. Don’t allow workers to have access to information about your finances.
- Pay with checks and credit cards instead of cash in order to keep a paper trail.
- Trust your instincts. Exploiters and abusers often are very skilled. They can be charming and forceful in their effort to convince you to give up control of your finances. Don’t be fooled—if something doesn’t feel right, it may not be right. If it sounds too good to be true, it probably is.
If you are a victim of financial abuse, please talk to the Adult Protective Services, police, one of our Bank Associates, a trusted family member, your clergy, attorney, doctor, or visit https://reportadultabuse.dhs.tn.gov/.