Family riding bikes in driveway.

Checking

Personal Checking Accounts

We offer a variety of personal checking accounts to fit your specific needs. Whether you choose to bank online, on your mobile device, or in a branch, we have options for you!


To open a personal checking or savings account online, click here! It's quick and easy.

Important Information About Procedures for Opening New Accounts


To help the government fight against the funding of terrorism and money-laundering activities, financial institutions are required by Federal law to obtain, verify, and record information that identifies each person who opens an account. 
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Account Secure Checking* Secure Checking Plus* Basic Checking
Senior Checking
(60+ years of age)
 Premier Checking
Minimum Opening Balance $100.00 $100.00 $100.00 $100.00 $100.00
Monthly Service Charge $4.75
 $10.00 $4.75
(Waived with E-Statements)		 $4.75
(Waived with $100.00 minimum daily balance)		 $20.00
(Waived with $3,500.00 minimum daily balance, or $10,000.00 combined daily balance in any checking, money market, savings, CDs, or IRAs)
Unlimited Check Writing Check mark icon Check mark icon Check mark icon Check mark icon Check mark icon
Free Wallet-Style Checking


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(or 50% off designer-style checks)
Overdraft Protection
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(With approved credit)



Interest Bearing


(On daily collected balance of $1,000.00 or more) (On daily collected balance of $1,000.00 or more)
ID Protect® - Identity Theft Protection Service¹
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Safe Deposit Box Discount


50% discount Free 3x5 Box or $15 credit towards larger box
Mastercard Debit Card Check mark icon Check mark icon Check mark icon Check mark icon Check mark icon
Mobile Banking Check mark icon Check mark icon Check mark icon Check mark icon Check mark icon
Online Banking Check mark icon Check mark icon Check mark icon Check mark icon Check mark icon
Bill Pay² Check mark icon Check mark icon Check mark icon Check mark icon
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FREE
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No service fee for Citizens Bank ATM Transactions³ Check mark icon Check mark icon Check mark icon Check mark icon Check mark icon

1 IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, & children under 25 years of age & parent(s) who are residents of the same household. Some benefits require registration/activation.
2 Bill Pay is $4.75 per month for the first 10 bill payments and .40¢ per transaction thereafter.
3 ATM transactions not initiated at Citizens Bank of Americus ATMs are subject to an additional fee charged by Citizens Bank of Americus and owner of ATM.
*Non-banking benefits of Secure Checking and Secure Checking Plus are available to joint account holders (unless otherwise noted). Non-banking benefits are not available to a "signer" or "beneficiary" of the account who is not an account owner, businesses and their employees, clubs and/or churches and their members, schools and their employees/students.