Personal Savings


Saving money for a special project, large purchase or for a rainy day? Do you want to start saving for your child’s future or would you like to start teaching your kids how to save now? Citizens Bank of the South offers savings accounts which can help you achieve any of these goals. Savings accounts allow you to put a little money away now to save for the future, while earning extra income on your deposits. The following savings accounts are available to individuals within Washington, Bulloch, Baldwin and contiguous counties:

  • The Educators Way
  • The Savings Way
  • The Junior Way

Call one of our convenient locations for rates on our savings accounts. Customers can receive information regarding their accounts 24 hours a day with CBOTS Action Line or Internet Banking.

 

The Educators Way

Citizens Bank of the South now offers a special savings plan for all local educators with The Educators Way account.

Features:

  • Minimum opening deposit of $100.00
  • No minimum balance fee
  • 1% interest rate on balances up to $25k and .25% thereafter
  • 2 free withdrawals are allowed per month, a $2.00 fee for each additional withdrawal
  • Statements with images are available monthly via US Mail or online

*Available to all employees of an educational system.
*CBOTS Checking account with direct deposit required.

 

The Savings Way

Features:

  • Minimum opening deposit of $100.00
  • No minimum balance fee with $100.00 minimum daily balance
  • If daily balance falls below $100.00 on any day of the month, a $5.00 minimum balance fee is applied
  • 2 free withdrawals are allowed per month, a $2.00 fee for each additional withdrawal
  • Interest earned beginning on the business day of deposit*
  • Interest compounded and credited quarterly*
  • Statements with images are available quarterly via US Mail or online

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

 

The Junior Way

Available to youth under the age of 18

  • Minimum opening deposit of $25.00
  • No minimum balance fee
  • 2 free withdrawals are allowed per month, a $2.00 fee for each additional withdrawal
  • Interest earned beginning on the business day of deposit
  • Interest compounded and credited quarterly
  • Statements with images are available quarterly via US Mail or online

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