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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.


Personal Banking Products and Services

Checking Accounts | Savings, CD's and IRA Accounts | Loans
Online Banking | Bill Pay | Additional Services

CHECKING

Basic Checking | Regular Checking | Senior Citizen Checking
Student Checking | NOW Checking

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


No minimum balance requirements apply to this account.

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

Maintenance Charge - A maintenance charge of $2.00 will be charged each statement cycle. This will be waived if Electronic Statements are chosen.

Additional Terms -
The following additional terms apply to this account: Check safekeeping is required (cancelled checks are not returned).

REGULAR CHECKING

Minimum balance to avoid service charge ‑ A service charge fee of $3.00 plus a $.20 per check fee will be imposed every statement cycle unless you maintain either a minimum daily balance of $200.00 or $2,000.00 or more in total combined Citizens Bank & Trust Co. deposits.

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


SENIOR CITIZEN CHECKING

No minimum balance requirements apply to this account.

Deposit limitations ‑ You may make unlimited deposits into your account.
Additional Terms
The following additional terms apply to this account: For persons age 60 and over.


STUDENT CHECKING

No minimum balance requirements apply to this account.

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

Additional Terms

The following additional terms apply to this account: This account will automatically transfer to Regular Checking on customer's 22nd birthday.

Regular Checking Account ‑ A service charge fee of $3.00 plus $.20 per check fee will be imposed every statement cycle unless you maintain either a minimum daily balance of $200.00 or $2,000.00 or more in total combined Citizens Bank & Trust Co. deposits.


NOW CHECKING

Rate information - At our discretion, we may change the interest rate for this account. Please call 406 932 5311 to obtain current rate information.  The interest rate and annual percentage yield may change daily.

Compounding frequency - Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Minimum balance to avoid service charge fee - A minimum balance fee of $6.00 plus $.25 per check will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $500.00. No service charge if $500.00 minimum balance is maintained or $5,000.00 or more in total combined Citizens Bank & Trust Co. deposits.

Deposit limitations - You may make an unlimited number of deposits into your account.



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