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"Personal Checking with Interest" from Citizens Bank
The Basics
Debit Cards & Using ATMs
This account includes the following debit card reward program options (choose one):
- 'Everyday Points' program to earn points for gifts and other items. There is a $25 annual fee for this card;
- 'GreenSense' puts money back into your account based on your debit card usage. There is no annual fee for this card.
- 'Everyday Points' program to earn points for gifts and other items. There is a $25 annual fee for this card;
- 'GreenSense' puts money back into your account based on your debit card usage. There is no annual fee for this card.
There is a $2.00 fee each time you use a non-affiliated ATM.
There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 2.80% of the total amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- Reminders that bills are coming due for payment.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- Reminders that bills are coming due for payment.
You can download 18 months of transaction history in the following formats:
- Quicken 2007 and above;
- MS Money for 2007 and above.
- Quicken 2007 and above;
- MS Money for 2007 and above.
Online Billpay
Free
Text message alerts available for high/low balance, cleared checks, high transactions, failed payments, failed transfers and mini statements.
Customer service representatives are available 24 hours a day.
You can access your transaction history directly through Quicken, QuickBooks and MS Money. There is a fee of $3.95 per month for this feature.
Checks & Statements
Overdrawing the Account
The Insufficient Funds Fee is $25.00 for the first overdraft, $37.00 for the next overdraft and $39.00 for subsequent overdrafts. This count resets every 12 months.
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- $5 transfer fee. This fee is charged each day a transfer is made.
- Annual fee of $30.
- Funds are transferred to bring the account balance to $0.
- $5 transfer fee. This fee is charged each day a transfer is made.
- Annual fee of $30.
- Funds are transferred to bring the account balance to $0.
From a linked Overdraft Line of Credit:
- Transfer fee of $10. The transfer fee is charged each day an advance is made.
- Annual fee of $25;
- Funds are transferred to bring the account balance to $0.
- Transfer fee of $10. The transfer fee is charged each day an advance is made.
- Annual fee of $25;
- Funds are transferred to bring the account balance to $0.
Savings and Money Market Accounts
'Green Savings' requires $25.00 to open and $0.00 to earn interest. You must also have a checking account to open this account.
Current APY Information:
- 0.03% at minimum balance to earn interest;
- 0.03% at minimum balance to avoid fees;
- 0.03% at $25,000.00
- 0.03% at minimum balance to earn interest;
- 0.03% at minimum balance to avoid fees;
- 0.03% at $25,000.00
'Gold Money Market' requires $2,500.00 to open and $0.00 to earn interest. This account can only be opened in a Circle Gold Banking Package, which requires a Circle Gold Checking Account.
Current APY Information:
- 0.20% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.40% at $25,000.00
- 0.20% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.40% at $25,000.00
There is no monthly fee with this account, but it can only be opened in a Circle Gold Banking Package (requires a Circle Gold Checking account).
'Performance Money Market' requires $1,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.20% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.65% at $25,000.00
- 0.20% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.65% at $25,000.00
The account has a monthly service fee of $50.00. This fee can be waived if you maintain a minimum balance of $1,000.00.
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We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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