MINIMUM TO OPEN
$50
BALANCE REQUIREMENT
NONE
WHO SHOULD CONSIDER
No-hassle banking
MONTHLY FEE
-
$10*Monthly service fee
- A Direct Deposit is required (monthly) to waive the Monthly Service fee. Other restrictions may apply.
- Account is subject to $5 statement fee if not enrolled in Citizens Trust Bank e-Statements (electronic statement delivery). Avoid the monthly fee. ENROLL today.
FEATURES
-
Direct deposit (required)
-
Free Online Banking
-
Free Mobile Banking
-
Free Mobile Deposits
-
Free Credit Score
-
Free Credit Insights with the Credit Score tool
-
Free Bill Pay
-
Send money with Zelle® – a fast, safe, and easy way to send money
- Debit Card
-
Free access to all Citizens Trust Bank ATMs
-
Free 24/7 account access by phone
-
E-statements (required to avoid monthly fee))
-
$5 monthly Paper Statements – Avoid the Paper Statement Fee. Enroll for E-statements TODAY.
As of July 1, 2025, updates to the federally regulated Regulation CC (Reg CC) include cost-of-living adjustments to funds availability thresholds.
Funds Availability Increases Include:
Minimum amount for next-day availability increased
from $225 to $275
Thresholds for new account and large deposit increased
from $5,525 to $6,725
