Checking Accounts

 

This Account Is For You If...

Minimum Opening Balance

Monthly
Service
Fee

Check Writing Ability

Special Features

BanClub Checking

You want more product for the buck! As a member of the club you receive loads of benefits.

$10

$6.00-$8.00 Membership fee

Unlimited

Free ATM/debit cards available; Free Club checks; monthly image statements; May qualify for Overdraft Privilege; **There is a cost for any overdraft service when it is used. No charge for traveler’s checks & official checks;  Personal Club Insurance Not a deposit - Not FDIC insured - Not insured by any federal government agency - Not guaranteed by the bank - May go down in value

Free Checking

You want a service charge free account.

$10

$0

Unlimited

First checks free; Free ATM/debit cards available; May qualify for Overdraft Privilege; **There is a cost of $26.00 for any overdraft service when it is used.

Regular Checking

You want an economical account.

$10

$4.00

if balance falls below $300 during the statement cycle

(Account holders 65 or older and full-time students are not subject to service fee.)

Unlimited

Free ATM/debit cards available; May qualify for Overdraft Privilege; **There is a cost for any overdraft service when it is used; monthly imaged statements; First checks free.

Business Checking

You want an economical account for your business.

$10

$4.00

if balance falls below $300 during the statement cycle

 

Unlimited

Free business debit cards available; Free ATM/debit cards available; May qualify for Overdraft Privilege; **There is a cost for any overdraft service when it is used; monthly imaged statements; First checks free.
*Please read notice below concerning Unlawful Internet Gambling

Gold Club Checking

You are 50 years of age or better! Great economical account.

$500

$5.00

If balance falls below $500 any day of statement cycle

Unlimited

Free personalized Gold Club checks; Free education seminars; 25% Discount on Safe Deposit Box rental; Free ATM/debit card; monthly image statement; may qualify for Overdraft Privilege**There is a cost for any overdraft service when it is used.

NOW Checking

You maintain a high account balance - and desire interest.

$1000

$5.00

If balance falls below $1000 any day of statement cycle

Unlimited

First checks free; Free ATM/debit Cards available; monthly image statements;
may qualify for Overdraft Privilege**There is a cost for any overdraft service when it is used.

Money Market Checking

You maintain a high account balance, want the highest interest with easy access to your money.

$2500

$5

If balance falls below $2500 any day of statement cycle

6 withdrawals per month.

Interest paid monthly on account if $2500 balance is maintained; Monthly image statements; First checks free.

*UNLAWFUL INTERNET GAMBLING NOTICE: Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.

**Your checks will be honored, not returned, until your account overdraft exceeds set limit. Standard overdraft fees of $26.00 per item, which includes checks, debit/ATM transactions, internet transactions, pre-authorized debits or transfers. Bank Policy is the account balance is to have a positive balance during each statement cycle to remain in good standing. Accounts that remain overdraft for more than 30 consecutive days may be closed. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Coverage is a service provided to you by Citizens Bank and may be discontinued at any time.
           

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Savings Accounts

 

This Account Is For You If...

Minimum Opening Balance

Service Fee

Special Features

Christmas Club

You want to be prepared for the extra expenses the holiday season can bring.

$10.00

$10.00 per withdrawal.

Premium rate is paid. May deposit $250/week up to $1000/month. Interest is paid on balances at maturity. Checks are issued in November.

Kids Club

If you want to help Kids to Save

$5.00

You may make 6 withdrawals from account each month. A fee of $2 will be assessed when more than 18 withdrawals occur during the statement cycle (quarterly). Account is for children age newborn to 13 years.

 

Vacation Club

You want to save for your next vacation

$10.00

$10.00 per withdrawal.

Premium rate is paid. May deposit $250/week up to $1000/month. Interest is paid on balances at maturity. Checks are issued in May.

Regular Passbook Savings

You want to get started saving for future expenses.

$10.00

Restricted to a maximum of 18 withdrawals each quarter. A $1.00 fee per withdrawal after 18 each quarter will be charged. You may make 6 withdrawals from account each month.

Interest is paid quarterly. Statements are mailed quarterly.

 

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AGREEMENT TO RECEIVE ELECTRONIC DISCLOSURES & INFORMATION

By continuing with this online application process, you agree that we may provide you this Agreement & Disclosure and any revisions and amendments to this Agreement & Disclosure in electronic form; and that, if you choose to accept the Agreement & Disclosure, you are consenting to enter into and are entering into an Agreement electronically that will govern all future transactions you conduct using the online services and agree to be bound by its terms.

All you need to use the online services and to receive this Agreement & Disclosure and any future information is a computer and modem (including a monitor) capable of accessing the Internet and sending/receiving e-mail, along with a printer capable of printing copies if you wish to retain records in paper format. You will also need a domestic and secure browser with 128-bit encryption (such as Netscape Navigator 6.0 or a later version, or Microsoft® Internet Explorer 7.0 or a later version). You must use Microsoft® Windows 98 or a later version, or Macintosh OS 9 or a later version. You must have a computer hard drive capable of storing data, if you wish to store electronic communications. You must also have Adobe® Acrobat® Reader® software or Adobe® compatible software, so you can view any Adobe® PDF files.

From time to time, we may deliver certain information to you that is required by law or regulation to be provided to you in writing or regarding information about our online services. By selecting the “I AGREE” button below, you agree that we may provide you revisions and amendments to this Agreement & Disclosure and such other information, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the services, electronically as a part of the Agreement & Disclosure or otherwise as a part of online services. If you wish to withdraw consent to receive information electronically there is no charge to terminate the services or to update your information. You may call us at 866-666-2195 or send a letter to Electronic Banking Department at P.O. Box 100, Lafayette, TN 3708.

You may print and retain a copy of this Agreement & Disclosure or any future information sent to you electronically. You may also obtain a free copy of this Agreement & Disclosure, and amendments to it, and other communications about the service in paper form by writing or calling us at the below address and telephone number:

Citizens Bank of Lafayette
P.O. Box 100
Lafayette, TN 37083
866-666-2195

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