CHOOSE SECURITY AND VALUE WITH... 
Citizens IDSecure Checking w/MyScoreBuilder®


FREE Electronic Banking Package Features - Includes Online Banking, Online Bill Payment, E-statements, Mobile Banking, Mobile Check Deposit*, P2P Transfers, and 24-hour Telephone Banking

  • FREE Instant Issue MasterCard Debit Card with MyMobileMoney App
  • Only $25 Deposit to Open
  • No Minimum Balance 
  • Unlimited Check Writing
  • Overdraft Protection available for qualifying customers**
  • MoneyPass - Get the cash you need, and never pay a surcharge fee with over 32,000+ MoneyPass ATMs from coast-to-coast.
  • MyScoreBuilder® - We help you build a better credit score by reviewing your credit report and score. Print out your credit file, make an appointment with a MyScoreBuilder® Representative and start down the path to a better credit score.
SECURITY AND VALUE FEATURES:
  • 3-in-1 Credit File Monitoring - IDProtect will monitor your Equifax, Experian, and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration/activation required)
  • 3-in-1 Credit Score Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. (Registration/activation required)
  • Identity Monitoring - Monitoring of over 1,000 non-credit databases where identity theft could be evident. (Registration/activation required)
  • Identity Theft Resolution Services - Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
  • Debit and Credit Card Registration - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required)
  • Up to $10,000 Identity Fraud Expense Reimbursement Coverage - For expenses associated with clearing your name and repairing damaged credit should you fall victim to identity theft. 
  • Online Identity Theft News Center - Resources to safeguard your identity. (Registration/activation required)
ADDITIONAL FEATURES:
  • Cellular Telephone Protection - Receive up to $300 of replacement or repair costs if your cell phone is stollen or damaged, in the U.S and abroad. Maximum of two claims per year. Covers the first three phone on a cellular telephone bill paid through your checking account.
  • $10,000 Accidental Death and Dismemberment Insurance Policy - Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70)
  • Earn More Savings - Earn a Higher Savings Rate when you open a new SaveUp Savings account at the same time as your new IDSecure, Reward, Gold Club, or SmartStart checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle. Learn More

Monthly Fee: $3.95 (free to age 23)
Paper Statement Monthly Fee: $3.00
* $0.50 per Mobile Deposit Item
** OD disclosures apply

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CHOOSE INTEREST WITH...
Citizens Reward Checking

FREE Electronic Banking Package Features - Includes Online Banking, Online Bill Payment, E-statements, Mobile Banking, Mobile Check Deposit*, P2P Transfers, and 24-hour Telephone Banking

  • FREE Instant Issue MasterCard Debit Card with MyMobileMoney App
  • Only $25 Deposit to Open
  • No Minimum Balance 
  • Unlimited Check Writing
  • Overdraft Protection available for qualifying customers**
  • MoneyPass - Get the cash you need, and never pay a surcharge fee with over 32,000+ MoneyPass ATMs from coast-to-coast.
CITIZENS REWARDS CHECKING FEATURES:
  • Earn Our Highest Checking Interest - When you meet these minimum state cycle requirements:
    1) 16 MasterCard Debit Card purchases that post and clear
    2) One direct deposit that posts
    3) Receive your statements electronically (E-statements)
  • Annual Percentage Yield - Annual Percentage Yield is subject to change. (Interest rates payable based upon account balance)
  • Disappearing Fee - Monthly fee of $3.95 disappears when you make 16 or more non-ATM debit card purchases that post and clear during the statement cycle.
  • Earn More Savings - Earn a Higher Savings Rate when you open a new SaveUp Savings account at the same time as your new IDSecure, Reward, Gold Club, or SmartStart checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle. Learn More

Monthly Fee: $3.95 (disappearing fee available)
Paper Statement Monthly Fee: $3.00
* $0.50 per Mobile Deposit Item
** OD disclosures apply

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CHOOSE YOUR GOLDEN YEARS WITH...
Citizens Gold Club Checking (for customers age 50 and better)


FREE Electronic Banking Package
 Features - Includes Online Banking, Online Bill Payment, E-statements, Mobile Banking, Mobile Check Deposit*, P2P Transfers, and 24-hour Telephone Banking

  • FREE Instant Issue MasterCard Debit Card with MyMobileMoney App
  • Only $25 Deposit to Open
  • No Minimum Balance 
  • Unlimited Check Writing
  • Overdraft Protection available for qualifying customers**
  • MoneyPass - Get the cash you need, and never pay a surcharge fee with over 32,000+ MoneyPass ATMs from coast-to-coast.
  • Paper Statement mailed to your door upon request.
  • Interest on Your Account (minimum balance applies)
  • Special Events
  • Free Gold Club checks
  • No fee for Cashier's Checks (limit 10 per month)
  • 25% Discount on Safe Deposit Box

NEW BENEFITS:

  • Resolution Services - Toll-free access to a dedicated consumer fraud recovery specialist who can walk you through the process of reclaiming your identity 
  • Up to $10,000 Identity Fraud Expense Reimbursement Coverage - For expenses associated with clearing your name and repairing damaged credit should you fall victim to identity theft. 
  • Earn More Savings - Earn a Higher Savings Rate when you open a new SaveUp Savings account at the same time as your new IDSecure, Reward, Gold Club, or SmartStart checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle. Learn More

Monthly Fee: $4.95 (Keep an average daily balance of $500 in this account and the monthly fee is eliminated) 
* $0.50 per Mobile Deposit Item
** OD disclosures apply

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CHOOSE A NEW BEGINNING WITH...
Citizens SmartStart Checking & SmartStart Basic


FREE Electronic Banking Package
 Features - Includes Online Banking, Online Bill Payment, E-statements, Mobile Banking, Mobile Check Deposit*, P2P Transfers, and 24-hour Telephone Banking

  • FREE Instant Issue MasterCard Debit Card with MyMobileMoney App
  • Only $25 Deposit to Open
  • No Minimum Balance 
  • Unlimited Check Writing with SmartStart Checking (no check writing with SmartStart Basic)
  • Overdraft Protection available for qualifying customers**
  • MoneyPass - Get the cash you need, and never pay a surcharge fee with over 32,000+ MoneyPass ATMs from coast-to-coast.
  • Fresh Start - Have you had troubled accounts in the past? ReStart checking gives you the opportunity for a fresh start.
  • $3 Savings with Direct Deposit - Monthly fee of $9.95 gets reduced to $6.95 with regular payroll direct deposit.
  • Upgrade Accounts - Qualify for one of our other great checking products after 18 months in good standing** with a ReStart Checking account. 
  • Earn More Savings - Earn a Higher Savings Rate when you open a new SaveUp Savings account at the same time as your new IDSecure, Reward, Gold Club, or SmartStart checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle. Learn More

Monthly Fee: $9.95 (can be reduced to $6.95 with direct deposit)
Paper Statement Monthly Fee: $3.00
* $0.50 per Mobile Deposit Item, available after 6 months of account opening
** Good standing is defined as a positive balance and no more than 1 NSF in the last six months.

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