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Senior Citizen Checking
BASIC 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: Check safekeeping is required (cancelled checks are not returned). 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. No minimum balance requirements apply to this account. Deposit limitations ‑ You may make unlimited deposits into your account. Fees and Charges ‑ The following fees and charges apply to this account: ‑ Monthly maintenance fee: $3.00 per statement. Per check fee: A per check fee of $.25 will be charged for each check paid in excess of 15 during a statement cycle. No minimum balance requirements apply to this account. Deposit limitations ‑ You may make unlimited
deposits into your account. 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. 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. 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. 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 open ‑ The minimum balance required to open
this account is $500.00. Home | About Us | Products | Locations | Calculators | What's New | Contact Us |
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