Choosing the Right Account!

Choose from several options for free checking, including accounts that pay interest. Answer the following questions to determine which account is best for you.

1. Does you plan to have direct deposit or an automatic payment with this account?
      Yes ï Will you always keep more than $2,500 in your checking account?

Yes ï Elite Interest Checking
No ï VIP Free* Checking with Interest

OR

2. Will you or another signer on this account be 50 years or over?
       Yes ï Will you always keep more than $2,500 in your checking account?

Yes ï Elite Interest Checking
No ï 50+ Free* Checking with Interest

OR

3. Will you always keep more than $2,500 in your checking account?

Yes ï Elite Interest Checking
No ï Totally Free* Checking 

Stop by any banking center to open your account today!!

Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rates and regulations apply. *Free with estatements only.

Account Enhancement Options

Tell-A-Friend-Tell-A-Friend about your wonderful bank and receive a FREE Gift, and there’s one for each of you.  Click here to see 2014's exciting gifts!

1. Print your name and address on this form (You'll need Adobe Acrobat). Give it to a friend and recommend a Citizens Bank & Trust Totally FREE Checking account or any of the other personal checking accounts.
2. When your friend opens a new checking account, we’ll validate this form and return it to you.
3. Present the validated form at your nearest Citizens Bank & Trust location and pick up your FREE GIFT!

It's that easy! There is no limit to the number of referrals, so print out as many as you'd like, or stop by your nearest Citizens Bank & Trust banking center for a stack of referral slips.

Debit Card- It’s faster, easier and more secure than writing checks. Use your debit card for purchases anywhere you see the VISA logo displayed, as well as ATMs for instant cash. Purchases and ATM withdrawals are subject to a daily dollar limit for your safety.

ebankCBT Online Banking- FREE online banking teamed up with FREE Billpayer  and FREE Mobi-bank means you may not only bank in your pajamas, you can pay your bills at the same time! InterBank Transfer Service makes it easy to move your funds.

Direct Deposit- It's the safe, secure, and convenient way to have paychecks, dividends, or social security/pension checks deposited automatically. And we'll do the legwork for you!

Free Business Checking- Need a better business account? Totally Free Business Checking is the perfect account for most businesses.

KITT Phone Banking- Keep In Touch Teller is available 24/7 from any touchtone phone. Check your balance and verify cleared checks and deposits with one, toll-free phone call.

ATM Card- Even diehard check writers sometimes need quick cash. Use our ATM card around the block or around the world. ATM withdrawals are subject to a daily dollar limit for your safety. ATM cards are available at account opening.

Safe Deposit Box- Keep your important documents and keepsakes safe and secure. Sizes and availability vary by location, so ask your regular branch about available options.