Checking

When it comes to checking accounts, most people end up paying too much for too little. We’ve designed our checking accounts for you, our members, who enjoy getting greater services for less money.

Choose from three accounts: Direct Deposit Checking, Checking Plus, Regular Checking

Direct Deposit Checking

Citizens’ Premier Checking Account for Members with Direct Deposit.*

• 2.25% APY†
• Payday Comes Early: Up to 3 Days Early With Direct Deposit****
• No Monthly Service Charge
• $600 in Overdraft Protection
• Free Internet Banking
• Free Check Images Online
• Free Debit Card Transactions
• Unlimited Check Writing
• Free Online BillPay

Checking Plus

Citizens’ Checking Account designed for Members without a Direct Deposit who write 10 or less checks per month.

• No Monthly Service Charge
• Free Debit Card Transactions
• $1.00 per item after first 10 checks
• $400 in Overdraft Protection
• Free Internet Banking
• Free Check Images Online
• Free Online BillPay

Regular Checking

Citizens’ Checking Account designed for Members without a Direct Deposit who write 10 or more checks per month.

• No Monthly Service Charge with minimum of $500 per month.**
• No Monthly Service Charge for Seniors. ***
• No Per Item Fees
• Free Debit Card Transactions
• $400 in Overdraft Protection
• Free Internet Banking
• Free Check Images Online
• Free Online BillPay

* Direct Deposit must be over $500/month
† 2.25% paid on the first $25,000 on deposit, 0.10% over $25,000. Dividend requires at least 4 point of sale debit card transactions per month. APY = Annual Percentage Yield. There are no monthly service fees with a minimum monthly direct deposit of $500. A Minimum deposit of $25 is required upon opening. This is a tiered account. Once a particular balance range is met, the Dividend Rate and APY listed for that balance range will apply only to the balance in the account over that amount. Dividends are calculated on the daily balance method which applies a periodic rate to the balance in the account each day. APY could change without notice and after account is opened. You must make 4 debit card transactions excluding ATM withdrawals, each month on this account to qualify for the 2.25% APY tier. To qualify, the transactions must post to your account by the close of business on the last day of the month.You will earn 0.10% APY if you don’t meet the monthly requirements. Maintenance or Activity Fees associated with an account may reduce earnings. All terms and conditions are subject to change.
**$9.50/month service charge if balance drops below $500.
*** Age 65 or older
****Payday Comes Early offers immediate credit of your direct deposit to your account up to three (3) days early based upon when we receive your payroll from your employer. We cannot assume any liability for not depositing these funds to your account early. You agree to be bound by Automated Clearing House association rules.  These rules provide, among other things, that payments made to you are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account.

Debit Cards

Lost or Stolen Card? Call 800.383.8000

Activate & Set/Change PIN Number: Call 800.717.4923
 

ATM Locations

Now you can obtain cash from your checking or savings account 24 hours a day through our Citizens FCU Drive-Thru ATMs located at:

PLUS, enjoy access from several popular ATM networks throughout the United States and abroad!

You can get cash 24/7 at ATMs that display any of the following logos:

UIGEA Disclosure
Notice of Safety Precautions

Apple Pay

Make your Citizens debit card easier to use with Apple Pay!

Add your Citizens debit card to Apple Pay

• On iPhone® just open the Wallet app and tap the plus sign. From there, follow the onscreen instructions
• On Apple Watch™, open the Apple Watch app on your iPhone and select “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.” From there, follow the onscreen instructions.
• If you need more help, click here for more instructions.

Make your Citizens debit card your default card

• Go to Settings on your device
• Select Wallet & Apple Pay
• Tap Default card
• Choose your Citizens debit card

How to use Apple Pay

Look for these symbols at checkout.

Any terminal with either one of these symbols means Apple Pay is accepted.

Use your fingerprint. 

To use your default card, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see Done and a checkmark on the display.

That’s it!
 

You’ll feel a subtle vibration, hear a ding and see a checkmark on your screen. You’re done!

Use Apple Pay on these devices

Why use Apple Pay?