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We are excited to announce Citizens Digital, coming in August, which will improve your online banking experience.

Personal Savings

Basic Savings

$100 initial deposit and $100 minimum balance to earn interest

Free Internet banking

Free ATM access using MoneyPass network

Individual Retirement Account (IRA) options: IRA savings accounts and Roth – variable rate with interest paid quarterly

Health Savings Accounts (HSA) – variable rate with interest paid quarterly. Free checking account is tied to the HSA with a debit card available. $25 set-up fee and cost of checks. No monthly fees. Monthly statements.

Minor Savings

$10 initial deposit

On balances up to $10,000, account earns current APY* of a Minor Savings account. On balances over $10,000, a portion of the balance will earn current APY* of a regular savings account.

Interest compounded monthly with monthly statements

Must be under the age of 18 to qualify for this account

One minor account per child

Smart Savers Club

A Smart Savers card to record deposits made to their savings account

A small prize for every deposit

A large prize once 10 deposits are made

Fun Smart Savers activity sheets to help the minor become familiar with the general concepts of saving and banking

Money Market Deposit Account

High variable interest rate with $2,500 minimum balance

Tiered interest rate

Six withdrawals per statement cycle

Combined monthly statements

Free Internet banking

WE CARE Charitable Money Market Deposit Account

$2,500 minimum deposit

$5.00 service charge if balance falls under minimum

Maximum six withdrawals to include: Internet banking transfers, ACH debits, ODP sweeps, phone transfers, checks written to third parties

Interest paid with monthly statement

Interest rate tiered based on account balance

Free Internet banking

Free mobile app with mobile deposit

Free E-Statements


We have several CD options for you to choose from. We offer terms as short as 91 days or as long as 5 years, and our certificates offer a fixed rate for the term of the account. A penalty for early withdrawal from a certificate of deposit may apply. Ask your Relationship Banker for current certificate of deposit rates and specials.

What Our Clients Say About Us

This is how banking should be done. Fun, personable, professional, and in touch with your needs. Don’t even get me started on the app, it’s just awesome! I have business and personal accounts at Citizens and appreciate all that the staff does for me.

Justin Pretasky

Best bank by far! Excellent employees!

Milt Schmidt

Citizens goes above and beyond. Always helpful and friendly staff!

Holli Ludlow

Solid financial choices for all of life's moments

Compare Our Savings Options