Checking Accounts

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Citizens Checking
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Checking
HiFi Money Market
Demand Account
Minimum to
Open
$0 $0 (However, service charge could be assessed--see "Monthly Fees" below) $0 (However, service charge could be assessed--see "Monthly Fees" below) $2500 $2500
Minimum Balance
Required
No Minimum $900.00 minimum daily ledger balance or $1,500.00  average available balance $500.00 minimum daily ledger balance or $850.00 average available balance $2500 minimum daily ledger balance $2500 minimum daily ledger balance
Interest Rate / APY* N/A Please call Please call Please call Please call
Monthly Fees None A maintenance fee of $6.00 will be imposed every  statement cycle that balance falls below listed requirements (see ""Minimum Balance Required"" above) A maintenance fee of $6.00 will be imposed every  statement cycle that balance falls below listed requirements (see ""Minimum Balance Required"" above) A maintenance fee of $6.00 will be imposed every  statement cycle that balance falls below listed requirements (see ""Minimum Balance Required"" above) A maintenance fee of $6.00 will be imposed every  statement cycle that balance falls below listed requirements (see ""Minimum Balance Required"" above)
Other Account Features Free Online Banking with Images of Checks
Free E-Statements
Free (no monthly fee) Debit/ATM Card
Other Account Information N/A Interest is credited & compounded monthly

Must be 62 years of age or older to open account

Interest is credited & compounded monthly

Tiered interest rate--compounded monthly.  A  $0.20  fee per item will be imposed after 21 items (per month).

Tiered interest rate--compounded monthly.

Complementary first 40 checks.


*Annual Percentage Yield