Savings Products

Citizens Statement Savings

  • Minimum opening balance of $100
  • Interest-bearing account†
  • Limit 6 debits per statement cycle – $5 for each debit after limit
  • Reimbursement up to $10/month for ATM surcharge fees from out-of-network ATMs
  • FREE Bill Pay
  • FREE Online Banking
  • FREE Mobile Banking*
  • FREE E-Statements or
  • Online Banking statements
  • FREE Cashier’s Checks

Christmas Club

Three club options:
$5 Club = target balance of $250
$10 Club = target balance of $500
$20 Club = target balance of $1000

  • Interest-bearing account – To obtain accrued interest, the balance at maturity must be equal to or greater than the target balance for the club type (see above).
  • This type of account can be opened at any time during the year, up until October, but in order to obtain accrued interest at maturity, the balance requirement must be met.
  • Withdrawals are prohibited prior to maturity.
  • Coupon Payment Books are available.

Transfers from any CCNB account into the Christmas Club are also allowed (no ACH credits from non-CCNB accounts).

Build your savings faster with Round Up Savings!

When you use your CCNB debit card for a signature-based transaction (non- P.I.N.), we will round up to the nearest dollar and automatically deposit the difference into your CCNB savings account on the next business day. CCNB 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.

*Mobile data rates may apply.
† Tiered rate based on balance.