Access your money your way!

Open the checking account that suits your unique needs. Citizens Bank & Trust gives you all the convenient features needed to make your banking experience simpler and more intuitive to your lifestyle. Plus, we’ll even help you switch your existing checking account and buy back your old checks and debit cards* from another institution!

Every new personal Checking Solution offers FREE convenience options:

Contact a Representative Today!

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Checking Solutions

Elite Checking

A tiered earning account for those interested in earning higher interest!

  • Competitive Interest Rates
  • Open with just $2,500
  • Higher interest rates with a balance of $10,000 or more
  • Maintain a daily balance of $2,500 to avoid a low monthly maintenance charge
  • Open Today!

Totally FREE eChecking

A FREE account with eStatement enrollment!

  • Open with just $50
  • No minimum balance to maintain
  • No monthly maintenance charge
  • Unlimited check writing
  • Open Today!

VIP Interest Checking

Earn interest with the convenience of direct deposit!

  • Competitive interest
  • Open with just $50
  • Maintain a daily balance of $1,000 or have at least two (2) direct deposit transactions per monthly statement cycle to avoid a low monthly maintenance charge
  • Unlimited check writing
  • Open Today!

50+ Interest Checking

A perfect account for customers 50 and over!

  • Competitive interest
  • Open with just  $50
  • Maintain an average daily balance of $100 to avoid a low monthly maintenance charge
  • Unlimited check writing
  • Open Today!

Student Checking

Just the account for students ages 13 – 18!

  • No minimum balance
  • No monthly maintenance charge
  • FREE school debit card (not all schools available)
  • Low $25 minimum opening deposit

Health Savings Account

Manage your medical expenses and take advantage of tax benefits!

  • Carry over balances from year to year
  • Keeps monthly health insurance premiums lower
  • Qualified medical expenses are tax free

Switch it Assistance

Switching your bank accounts has never been easier!

  • Open your NEW Citizens Bank & Trust Checking account.
  • Bring in your previous bank account’s debit cards and unused checks. We’ll pay you up to $25 toward the purchase of your new checks!*
  • Make sure all your checks have cleared from your previous bank account.
  • Switch your direct deposits and automatic payments by submitting your new account number and the Citizens Bank & Trust routing number: 101901396.

* Not applicable to student accounts.

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