Personal Checking


Do you want quick and convenient access to your money, while keeping it safe? Citizens Bank of the South allows you to do just that with its variety of checking account products. You can access your funds easily through personal checks, debit card, ATM and internet banking.

The following checking accounts are available to individuals within Washington, Bulloch, Baldwin and contiguous counties. One is sure to meet your needs.

The Personal Way

No minimum balance fee with daily balance of $500.00

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Features:

  • Minimum opening deposit of $100.00
  • No minimum balance fee with $500.00 minimum daily balance
  • If daily balance falls below $500.00 on any day of the month, a $7.00 minimum balance fee and a $.20 fee per debit are applied
  • Statements with images available via US Mail or online
  • Debit Card

The Simple Way

Monthly flat fee checking with no daily minimum balance

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Features:

  • Minimum opening deposit of $100.00
  • There is a monthly flat fee for this account of $7.00, with no balance requirements
    – Although there is no minimum balance requirement, the monthly flat fee will be disclosed as a “minimum balance fee” on your account statement
  • Statements with images available via US Mail or online
  • Debit Card

The Senior Way

No monthly fees and no daily minimum balance requirements for our “golden” customers

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Customers who are 50 or ‘better’ may take advantage of the Senior account
Features:

  • Minimum opening deposit of $100.00
  • No minimum daily balance required
  • Debit Card
  • Statements with images available via US Mail or online

The Online Way

No monthly fees and easy online account access with e-statements

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Suggested for the consumer who loves using technology for managing their account
Features:

  • Minimum opening deposit of $100.00
  • No minimum daily balance required
  • Debit Card
  • Statements are only available online. Account holder must be enrolled in Internet Banking and online statements.

The Earnings Way

Interest bearing checking

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Earn a competitive interest rate*.
Features:

  • Minimum opening deposit of $1000.00
  • No minimum balance fee with $1000.00 minimum daily balance
  • If the daily balance falls below $1000.00 on any day of the month, a $7.00 minimum balance fee and a $.20 fee per debit are applied
  • Daily balances $2500.00 and greater will earn interest at a slightly higher rate
  • Debit Card
  • Statements with images available via US Mail or online
  • Interest earned beginning on the business day of deposit
  • Interest compounded and credited monthly

*Bank may change interest rate at any time at its discretion

All checking products offered by Citizens Bank have unlimited check writing and debit card use. Also, customers can receive information regarding their accounts 24 hours a day with CBOTS Action Line or Internet Banking.