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Looking for more from your checking?
Citizens Security Bank's Club Checking products can save you money! With three different club accounts to choose from, you are sure to find a Club Checking Account that fits your needs. Take a look here at all the following benefits offered with each Club Account. ADVANTAGE PLUS CHECKING (under age 50)
- All Club Account benefits
- $100 minimum to open
- Low monthly fee of $7.95
- NOW Account interest rates on daily balances of $1,000 or more
- $500 Bounce Protection*
HORIZONS CLUB CHECKING (age 50 or Better!)
- All Club Account benefits
- $100 minimum to open
- NOW Account interest rates on daily balances of $500 or more
- $400 Bounce Protection*
HORIZONS CLUB GOLD CHECKING (age 50 or better!)
- All Club Account benefits
- $100 minimum to open
- No monthly charge with minimum balance of $2,000 or more each month in account or if the primary account holder maintains $10,000 or more in all deposit accounts combined
- NOW Account interest rates on daily balances of $500 or more
- $9.95 fee if balance requirements are not maintained
- $500 Bounce Protection*
Additional Checking Products
PLATINUM Plus NOW CHECKING
- $100 minimum to open
- If minimum balance falls below $10,000: $9.95 plus $.14 for credits/debits & items deposited
- Free basic checks or 50% discount on design/duplicate checks
Interest rate determined by daily collected balances:
$10,000-$24,999
$25,000-$49,999
$50,000-$99,999
$100,000 & above
- Free Internet Bill Pay available
- Free e-Statements available
- $1,000 Bounce Protection*
PLATINUM Plus SELECT CHECKING
- $100 minimum to open
- If average daily balance falls below $5,000.00: $20.00 monthly fee
- Free basic checks or 50% discount on design/duplicate checks
Interest rate determined by daily collected balances: interest accrued at each tier interest rate:
$.01-$9,999
$10,000-$49,999
$50,000-$99,999
$100,000-$249,999
$250,000-& above
- Unlimited Check Writing
- Free Internet Bill Pay available
- Free e-Statements available
- $1,000 Bounce Protection*
FREE CHECKING
- $100 minimum to open
- No monthly service charge
- No minimum balance required
- Unlimited check writing
- Monthly statement (images not included)
- Internet Bill Pay available
- Free e-Statements available
- $300 Bounce Protection*
EDUCATOR CHECKING ACCOUNT
If you are an Employee of the School Board of Education, Citizens Security Bank & Trust Company is proud to provide you with this special checking program. This package includes the very best of our banking products and is only available to you through this program
- $100.00 Minimum to open
- No monthly service charge
- Unlimited check writing
- Monthly statement (images not included)
- First order of Personal Wallet/Duplicate Checks FREE
- 5 Free Cashiers Checks/Money Orders per month
- Bonus Rate for CDs
- Internet Bill Pay available
- Free e-Statements available
- $400.00 Bounce Protection available*
All Personal Checking Accounts include the following:
*A Bounce Protection Paid Item Fee ($28.00) will be charged each time an item is presented for payment and there are insufficient funds in the account to pay the item but the item is paid within the Bounce Protection balance limit. A Non-Sufficient Funds (NSF) Paid item Fee ($28.00) will be charged each time an item is presented for payment and there are insufficient funds, including the Bounce Protection balance limit, in the account and the item is paid. A Non-Sufficient Funds (NSF) Returned Item Fee ($28.00) will be charged each time an item is presented for payment and there are insufficient funds, including the Bounce Protection balance limit, in the account to pay the item and the item is returned. For purposes of determining these fees, an item is any debit, (check, ATM debit. Point of Sale debit, Automated Clearing House debit, a preauthorized debit, check returned that was deposited to your account, and similar type of items) to your account, excluding service charges and these fees. Customers with Bounce Protection must bring the account to a positive balance within 30 calendar days of the date of an overdraft to avoid suspension or revocation of the Bounce Protection privilege. The bank reserves the right to pay or return any item presented for payment where an account does not have sufficient funds to pay the item.
 
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