Personal Accounts

All account holders receive free E-statements, notary services, internet banking, and mobile banking. Account holders must sign-up to receive E-statements, and once activated, account holders will have access up to 18 months of statements.

We welcome customers under the age of 18 who would like to become an account holder, but we do require joint ownership with a parent or guardian. Accounts opened under the Georgia Transfer to Minor Act requires the designation of one custodian (parent or guardian).

Citizens ONtheGo

This account does not have any monthly service charge and is non-interest bearing.  Account holders must sign-up for electronic statements as they will not receive paper statements.

Citizens Basic

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.  The monthly service fee is waived as long as you keep a $500.00 minimum daily balance.  If you keep a $1,000.00 minimum balance, this full service checking account will provide you with interest income as well.

Citizens Advantage

To qualify for this account, you must have $15,000.00 aggregate balance (all of your accounts combined). This interest bearing account is perfect for customers who have other accounts with our bank such as a Certificate of Deposit 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 Savings

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 without penalty. In-bank transfers or withdrawals are unlimited.

Citizens Money Market

This interest bearing account is available to Business 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.

Certificates of Deposit

In addition to standard savings and money market accounts, Citizens Community Bank offers a range of Certificates of Deposit for customers seeking higher returns on their investments along with guaranteed security.  Our CDs range from 91 days to 5 years, and any of our Customer Service Representatives will be happy to help you find the right one to fit your needs.

Minimum Balance to Open:

91 and 182 Day - $2500.00
12 - 60 Months - $500.00

Interest Rates are based on current market rates at the time of purchase and are fixed until maturity.  Please call us for current available rates.

Interest is compounded at maturity on 91 and 182 day CDs.  It is compounded quarterly on certificates with a maturity of 12 months or greater.

A penalty may be assessed for early withdrawal.

Individual Retirement Accounts (IRAS)

IRAs are one of the most popular ways to save for retirement. Funds may be added to an IRA each year, and many times, an employee may wish to transfer funds from a current or previous employer's 401K into an IRA. Our customer service representatives will gladly assist you in completing any IRA transactions or the transferring of IRA funds to Citizens Community Bank. The terms on our IRA CDs range from 182 days to 5 years and are automatically renewable. Remember, it is a good idea to make decisions regarding IRA contributions, distributions, and taxes paid on these transactions with the advice of your accountant.

Minimum Balance to Open:

182 Day - $2500.00
12 - 60 Months - $500.00

Interest Rates are based on current market rates at the time of purchase and are fixed until maturity. Please call us for current available rates. Interest is compounded at maturity on 182 day CDs. It is compounded quarterly on certificates with a maturity of 12 months or greater. Withdrawals with no penalty may be made after you reach age 59 1/2. Disbursements may be made by check or credited to another deposit account. A penalty may be assessed for early withdrawal.

18 - months Variable IRA - $50.00

Interest is variable and based on the 6-month T-Bill rate. It changes as frequently as monthly and is compounded monthly. Withdrawals with no penalty may be made after you reach age 59 1/2. Disbursements may be made by check or credited to another deposit account. A penalty may be assessed for early withdrawal.