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All account holders receive free E-statements, notary services, internet banking, and telephone banking. Account holders must sign up to receive E-statements, and once activated, account holders will have access to up to 24 months of statements.
We welcome customers under the age of 18 who desire any of our accounts, but require joint ownership with a parent or guardian. Accounts opened under the Georgia Transfer to Minor Act require the designation of one custodian (parent or guardian).
Citizens Regular Checking
This account is ideal for the person who will not make a lot of transactions each month. Also, if you keep a high balance, the monthly service fee will be minimal.
Citizens Minimum Balance Checking
There are no fees as long as you keep a $500.00 minimum daily balance with low fees even if you do fall below the minimum balance.
Citizens Advantage Checking
To qualify for this account you must have $15,000 aggregate balance (all of your accounts combined). This interest bearing account is perfect for those that have other accounts with our bank such as Certificate of Deposits or Savings Account in which the total combined balance of all the accounts is $15,000.00 or more. With free checks and a free Safe Deposit Box, this is our premier checking account.
Citizens NOW Checking
If you would like to earn interest on a full service checking account, this account will provide you with interest income and requires a smaller minimum balance than a Money Market account.
Citizens Flat Fee Checking
With Unlimited Check Writing and a set monthly service fee each month, this account is for those that want a convenient and low-maintenance checking account.
Citizens Silver Checking
To qualify for this account you must be at least 55 years old. This is the perfect account for our Senior Citizens. As long as you do not make over 20 withdrawals (excludes ATM/Debit card transactions) per month, there are no fees with no minimum balance.
Whether you are a minor who wants to start saving early or you are an adult who wants to save for that vacation or unexpected expenses, this is the perfect account for people of all ages. You may make six (6) transfers from your account per month by check, draft, or similar order. (In-bank transfers or withdrawals are unlimited.)
Citizens Money Market
This interest bearing account is available to Busines and Personal Customers. You may make six (6) transfers from your account per month by check, draft, or similar order. (In-bank transfers or withdrawals are unlimited.)