Checking

At Citizens Commerce, we believe the way you manage your money should fit your lifestyle. We offer a variety of checking accounts to meet the needs of all our customers, whether you’re a check writer, strictly digital, or somewhere in-between.


INTEREST-BEARING CHECKING

Tiered rate based on daily balance

Premium Checking

  • Minimum opening balance of $100
  • Reimbursement up to $10/month of ATM surcharge fees for out-of-network ATMs
  • $10 monthly service fee is waived if at least one of the following criteria is met:
    • Average balance is greater than $2,500
    • Account has a direct deposit
    • Five or more debit card transactions in month (swiped as credit)
  • $2 paper statement fee*

Senior Checking

  • Primary or secondary owner must be at least 60 years old
  • Minimum opening balance of $100
  • Reimbursement up to $10/month of ATM surcharge fees for out-of-network ATMs
  • No monthly service fee
  • One free box of basic checks per year if account has a direct deposit
  • Safe deposit box rental discount of 50% per year
  • Free cashier’s checks
  • Free paper statements available

NON-INTEREST CHECKING ACCOUNTS

Classic Checking

  • Minimum opening balance of $100
  • Reimbursement up to $10/month of ATM surcharge fees for out-of-network ATMs
  • No monthly service fee
  • $2 paper statement fee*

Student Checking

  • Minimum opening balance of $100
  • Reimbursement up to $10/month of ATM surcharge fees for out-of-network ATMs
  • No monthly service fee
  • $2 paper statement fee*

ROUND-UP SAVINGS

Build your savings faster with our RUS product. When you use your Citizens Commerce debit card for a signature-based transaction (non-P.I.N.), we will automatically round up to the nearest dollar and deposit the difference into your Citizens Commerce savings account on the next business day. Citizens Commerce will also match a percentage of your round-up amount, up to a maximum of $250 annually. Swipe, round up and start saving today! It’s just like throwing your spare change in a jar. You will need a personal checking account, savings account and debit card to participate.