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Our Financial Information

WARNING: Sometimes unscrupulous people attempt to get personal or private financial information from our customers by claiming to be Citizens Bank or even a government agency. We urge you to be extremely careful. Please know that this Bank will NOT ask for any personal or private information over the telephone or internet. We will never ask you to send personal or confidential information via email.



Business Products and Services

Loans | Checking | On Line Banking | Additional Products& Services

BUSINESS CHECKING ACCOUNTS

 | Regular Business Checking | Small Business Checking |

ORDER CHECKS:  Call your branch for details about pricing, styles and order information

REGULAR BUSINESS CHECKING

Credit against fees ‑This account features an earnings credit, which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.

The earnings credit will be calculated by applying the periodic earnings credit rate to the average daily balance in the account for the period. Please call (406)932‑5311 to obtain current rate information.. At any time and at our discretion, the periodic earnings credit rate may change. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle.

You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.

Earnings credit begins to accrue on the business day you deposit items (for example, checks).

Deposit limitations ‑ You may make unlimited deposits into your account.

Fees and Charges ‑ The following fees and charges apply to this account:

Maintenance fee: $3.00 per statement.

Per check: $0.15 per statement.

Per deposit: $0. 10 per statement.

Dormant Account Fees - If you have made no deposits or withdrawals to the account for one year, a $5.00 per month dormant fee will be assessed.

 


SMALL BUSINESS CHECKING

Minimum balance to avoid a fee ‑ If your balance falls below $200.00 on any day in the statement cycle, your account will be subject to a $5.00 service charge for that statement cycle.

Deposit limitations ‑ You may make no more than 10 deposit(s) into your account each month.

Withdrawal limitations ‑ Activity is limited to 50 checks per month.

Fees and Charges ‑ The following fees and charges apply to this account: Exceeding check or deposit limits: $0.20 per item.

Dormant Account Fees - If you have made no deposits or withdrawals to the account for one year, a $5.00 per month dormant fee will be assessed.


 

 


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