Checking Accounts

CB LIBERTY

Experience financial freedom with the “CB Liberty” Versatile Checking Account—secure, convenient, and tailored to your needs.


  • Minimum opening deposit of $50.00
  • No Monthly Service Charge
  • No monthly balance requirements
  • $3 Paper Statements fee per monthly statement cycle – waived with FREE e-Statements
  • Free Debit Card includes myRewards
  • Free Online & Mobile Banking includes FREE Online Bill Pay

 

$50.00 Minimum Opening Deposit. No Minimum Balance required to maintain the account. Additional terms and conditions may apply.

 

CB LOYALTY

Earn while you spend with the “CB Loyalty” Interest-Bearing Checking Account—rewarding your everyday transactions with competitive interest rates.

  • Minimum opening deposit of $100.00
  • Interest Reward Checking with qualifying activity – 3.50% APY* on balances up to $15,000 if qualifications are met
  • No monthly balance requirements
  • $7 Service Charge per monthly statement cycle – waived with qualifying activity**
  • $3 Paper Statement fee per monthly statement cycle – waived with FREE e-Statements
  • Free Debit Card includes myRewards
  • Free Online & Mobile Banking includes FREE Online Bill Pay

**Qualifications per monthly statement cycle to avoid imposition of fees

  • 15 or more Debit Card POS (Point of Sale) transactions clear the account.
  • And

  • Direct Deposits of $1,000 or more OR
  • $50 in Online banking or automatic internal scheduled transfer to a Citizens Bank Savings, Money Market, or Christmas Club account OR
  • At least 1 direct debit ACH (Automated Clearing House) OR
  • $25,000 combined relationship balance in Citizens Bank checking, savings, money market, certificate of deposits or Christmas club accounts
  •  

    *APY = Annual Percentage Yield. Annual Percentage Yield is accurate as of March 25, 2024. The rate may change after the account is opened. Fees may reduce earnings. $100.00 Minimum Opening Deposit. No Minimum Balance required to maintain the account. To qualify for the higher rate of interest the account must have 15 or more Debit Card POS (Point of Sale) transactions clear the account during the statement cycle and 2 of the following additional qualifiers: Direct Deposits totaling $1,000.00 or more during the statement cycle; at least $50.00 in online banking, or automatic internal transfers to a Citizens Bank savings, money market, or Christmas Club account; at least one direct debit (ACH) clear during the statement cycle; or a $25,000.00 or more combined balance relationship in Citizens Bank checking, savings, money market or certificate of deposit accounts. Non-Qualified or balances over $15,000.00 will earn 0.10% APY. For transactions to qualify, they must post and settle to the account by 4pm on the last business day of the monthly statement cycle. Limited to one account per individual listed as primary account owner. Additional terms and conditions apply.

     

    CB LEGACY

    Elevate your banking experience with the “CB Legacy” Premium Interest Checking Account—unlock high-interest rewards today.



    • Minimum opening deposit of $1,000.00
    • Premium Interest Reward Checking with qualifying activity – 4.50% APY* on balances up to $25,000 if qualifications are met
    • $10 Service Charge per monthly statement cycle – waived with minimum balance requirement**
    • Free Statements – Paper or Electronic
    • Free Debit Card includes myRewards
    • Free Online & Mobile Banking includes FREE Online Bill Pay

    Qualifications per monthly statement cycle to earn premium interest

  • 15 or more Debit Card POS (Point of Sale) transactions clear the account
  • And Two (2) of the following

  • Direct Deposits of $1,000 or more OR
  • $25,000 combined relationship balance in Citizens Bank savings or money market accounts OR
  • Enroll in e-Statements (Accept electronic delivery of monthly e-Statement)
  •  

    *APY = Annual Percentage Yield. Annual Percentage Yield is accurate as of March 25, 2024. The rate may change after the account is opened. Fees may reduce earnings. $1,000.00 Minimum Opening Deposit. No Minimum Balance required to maintain the account. To qualify for the higher rate of interest the account must have 15 or more Debit Card POS (Point of Sale) transactions clear the account during the statement cycle and 2 of the following additional qualifiers: Direct Deposits totaling $1,000.00 or more during the statement cycle, a $25,000.00 or more combined balance relationship in Citizens Bank savings or money market accounts, or accept electronic delivery of monthly e-Statement. Non-Qualified or balances over $25,000.00 will earn 0.10% APY. For transactions to qualify, they must post and settle to the account by 4pm on the last business day of the monthly statement cycle. Limited to one account per individual listed as primary account owner. Additional terms and conditions apply.

     

    **Minimum balance to avoid imposition of fees – A service charge fee of $10.00 will be imposed every statement cycle if the balance falls below $25,000.00 in the checking account or a $50,000.00 combined balance relationship in Citizens Bank savings, money market or certificate of deposit accounts.

     

    Find our current rates here



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