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Products & Services     For account information and current interest rates, call Citizens Bank's
    Phone Banking 24 hour telephone banking service at 229-377-0331
         
         
    Business Checking Account
    Free Telephone Banking
    Free Internet Banking
    Free Online Bill Pay  
    $1200 minimum balance required to avoid imposition of fees
    $100 minimum deposit required to open
         
    Senior Citizens Account
    Interest-bearing checking account for our customers age 50 or over
    Unlimited check writing and ATM/debit card transactions and no maintenance fee
    No charge for the first order of solid color wallet checks
    Free Telephone Banking
    Free Internet Banking
    Free Online Bill Pay  
    $100 minimum deposit required to open
         
    Basic Services Account
    Non profit organizations
    Free Telephone Banking
    Free Internet Banking
    Free Online Bill Pay  
    Free use of ATM/debit card
    $2.00 fee imposed if balance below $200
    $100 minimum deposit required to open
         
    Regular Checking Account
    Free Telephone Banking
    Free Internet Banking
    Free Online Bill Pay  
    Free use of ATM/debit card
    $600 minimum balance required to avoid imposition of fees
    $100 minimum deposit required to open
         
    Special Checking Account
    Free Telephone Banking
    Free Internet Banking
    Free Online Bill Pay  
    Free use of ATM/debit card
    Debit item fee $.30 for each debit transaction
    $100 minimum deposit required to open
         
    Citizens Free Checking Account
    Personal accounts only
    $100 minimum deposit required to open
    Customer purchases checks
         
    Money Market Account
    Interest-bearing checking account 
    Free Telephone Banking
    Free Internet Banking
    Free Online Bill Pay  
    $2500 minimum balance required to avoid imposition of fees
    (fees could reduce the earnings on the account)
    $2500 minimum deposit required to open
         
    NOW Account  
    Free Telephone Banking
    Free Internet Banking
    Free Online Bill Pay  
    Free use of ATM/debit card
    $1000 minimum balance required to avoid imposition of fees
    (fees could reduce the earnings on the account)
    $1000 minimum deposit required to open
         
    Regular Savings Account
    Competitive Rates  
    Free Telephone Banking
    Free Internet Banking
    Free Online Bill Pay  
    $100 minimum balance required to avoid imposition of fees
    (fees could reduce the earnings on the account)
    $100 minimum deposit required to open
         
    Certificates of Deposit and IRA Certificates of Deposits
    Competitive rates and terms
    $500 minimum balance to open
         
    Loans    
         
    Citizens Bank offers a wide variety of both personal and business loans, including automobile,
    home improvement, construction, home mortgage and agricultural.  Please contact one of our capable 
    lending officers concerning your borrowing needs.

 

 

 Citizens Bank is a Georgia State chartered bank. Equal Housing Lender. Member FDIC.

The FDIC's basic insurance limit has been raised to $250,000 per depositor.

Citizens Bank is also participating in the FDIC's Transaction Account Guarantee Program. Under the program, through December 31st, 2010, all non- interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

For more information contact the FDIC toll-free at 1-877-275-3342 from 8:00 a.m. until 8:00 p.m. ET.

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