1-877-99-CBOTS cbots@cbots.com

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 Simple Way

Monthly flat fee checking with no daily minimum balance

The Senior Way

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

The Online Way

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

The Earnings Way

Interest bearing checking


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 SMS Text or Internet Banking.