Citizens Bank & Trust Company

The ultimate checking account for people 50 years old and better. All of the features of our other senior accounts and a great deal more!

Prestige Platinum Club membership entitles you to:

Minimum Opening Deposit $1,000.00
$10.00 Monthly Service Charge if Balance Falls Below $1,000.00
Interest on Checking
Free Club Checks
No Issue Fee for Travelers Checks
$10.00 Annual Safe Deposit Discount
$10,000.00 Accidental Death Insurance**
$100,000.00 Common Carrier Insurance
Identity Watch
Identity Theft 911
Living Family Journal
Initial Trust & Estate Planning Consultation
Discounts with Easy Saver
Prescription Drug Discount
Bank Escorted Group Travel
** Coverage Reduced 50% at age 70

__________________________________________________________________________

No Frills Senior Account

Solid banking services for folks age 50 and better with no monthly service charge!

Other Features:

Minimum Opening Balance $100.0
No Minimum Balance Required
No Monthly Service Charge
Free Personalized Wallet Checks

__________________________________________________________________________

MoneyPlus Money Market Account

For individuals, investors or businesses looking for exceptional rates of return while maintaining immediate access to your funds, we offer a 5-Tiered account:

Up to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 to $99,999.99
$100,000 and over

The higher the balance, the higher the yield.
Annual percentage yield quoted is subject to change daily.
Only $1,000.00 minimum balance required to open a MoneyPlus account.
Make deposits anytime.
Unlimited transfers or withdrawals in person, or by ATM.
(Transfers or withdrawals not in person or not by ATM are limited to six per statement cycle, three of which may be by check to a third party)
$10.00 charge if balance falls below $1,000.00 during statement cycle.
Monthly statement.
Interest is paid on daily collected balance.

__________________________________________________________________________

Electronic Transfer Account

Now there is a new, low-cost way to receive your Federal benefit or payment--the Electronic Transfer Account!

An ETA is a federally insured account to which you can have your federal funds deposited automatically right into your account instead of getting a check in the mail.

ETAs are available to anyone who receives Social Security, Supplemental Security Income, Veterans Benefits, Railroad Retirement, Civil Service Salary or Retirement, or Military Retirement.

You can take money out of your ETA at least four times a month, and you don't need to keep a minimum balance in your account. A monthly statement is provided listing all deposits and withdrawals.

__________________________________________________________________________

Small Business Checking

The low-cost, flat-fee way to manage your business account money!

Flat monthly fee for checking account services is based on your minimum daily balance. If you maintain $500 or more each day during the month, you'll have no service charge at all!
Unlimited check writing.
Bank by mail
Automatic transfer availability.
Service fee schedule the same as regular checking.
Monthly statement.

__________________________________________________________________________

Statement Saving Account

Ideal for folks wanting to put aside a little money periodically, but requiring access to it at any time!

Interest is accrued daily and compounded at the end of the each quarter.
Citizens 24 Hour ATM access.
Direct deposit and automatic transfer availability.
(Some limitations apply, so see us for details)

__________________________________________________________________________

Certificates of Deposit

Regular and Jumbo

For anyone who wants higher rates of interest on their money and does not need immediate access to their funds

Interest can be paid as frequently as each month by check, or deposited into another account with us, or you may choose to have the interest compounded. You make the decision!
Written in terms from 14 days to three years.
Automatically renewable.
Competitive rates.
Excellent instruments to use as security for loans.
(Some limitations apply. See us for details.)

__________________________________________________________________________

*The Annual Percentage Yield (APY) on the quoted above is based upon interest added back to the account balance on a monthly basis (with the exception of IRA's and $1,000.00 CD's, interest is paid at maturity.) The APY assumes that the initial deposit and interest will remain on deposit for one (1) year. Withdrawal of interest earned will reduce the APYs. Substantial penalty for early withdrawal. Interest Rates are subject to change without notice. Variable Rate CD's may change after the account is opened. On Checking and Savings Accounts, Service Charge fees could reduce the earnings.

Opening Balance Requirements; Checking $100.00, Savings $25.00, CD's $500.00, IRA's No Minimum. For further information, please see an account representative.