Savings Accounts

Take charge of your financial life and future.

Saving money is one of those things that’s much easier said than done. Most of us know the importance
of saving money, but truly feel we can do better at it. Move toward financial confidence and start saving for your personal goals with Citizens Trust Bank savings account solutions. Set a Goal – Watch our Money Basics video learn more on how to take charge of your financial future.

No matter where you are in your financial journey there’s a Citizens Trust Bank savings solution to meet every one of your needs—Explore your options, or talk with one of our Financial Relationship Representatives for guidance on how to get the most out of your banking experience.

Personal Savings Account

When you maintain a qualifying balance in a Citizens Trust Bank Account, you are eligible to be exempt from a monthly service charge on your account.

  • Opening deposit of $100.00
  • Earns competitive interest rates
  • Itemized quarterly statements
  • Interest paid quarterly
  • Transaction limits apply (1 per month, 3 per quarter)
  • Minimum balance required to avoid the $5.00 service charge

Money Market Account

If you would like to combine investment growth with liquidity and the safety of insured savings, one of the Citizens Trust Bank Money Market Accounts will provide an excellent choice.

  • Minimum opening deposit required is $1,000.00
  • Minimum daily balance $2,500.00
  • $10 monthly service charge will be applied if minimum balances not maintained. Other restrictions may apply
  • Earns competitive interest rates
  • Tiered Rates Available
  • Free 24 hour CTB ATM usage
  • Itemized monthly statements
  • Interest paid quarterly
  • Transaction limits apply (up to six (6) checks/drafts, automatic or preauthorized withdrawals per calendar month or statement cycle)

Silver Investor Account

  • Minimum opening deposit required is $5,000.00
  • Minimum balance required for no monthly service charge is $5,000.00
  • Average daily balance for no monthly service charge is $7,500.00
  • $15 monthly service charge will be applied if minimum balance is not maintained
  • Earns competitive interest rates
  • Tiered Rates available
  • Transaction limits apply (up to 6 pre authorized transfers, no more than 3 of which may be checks)

Future Savers Savings Account

Start saving for college today for your child or grandchild and let them help. This voluntary program provides hands-on learning principles of saving, how to manage money and the importance of investing money for a return.

  • Opening deposit of $10.00
  • Earns competitive interest
  • Itemized quarterly statements
  • Interest compounded daily, paid quarterly
  • Account must be joint with adult

Christmas Club Account

A non-interest bearing account with the funds disbursed prior to the Holiday season. A penalty is charged if the account is closed prior to the November disbursement date.

  • Has a minimum opening deposit of $10.00
  • Allows unlimited deposits, no withdrawals
  • Savings can be scheduled for a specific purpose
  • Funds will be disbursed prior to the holiday season
  • $10.00 service charge for withdrawals prior to annual disbursement