Citizens Bank - Cash Reserve

Statement Savings Account

Minimum Opening Balance $25.00

Minimum to earn interest $100.00

Low Balance Fee $2.00
(per month if account drops below $200.00 minimum balance required)

NetTeller™ No Charges

By Federal regulation, you are limited to six transfers per month by preauthorized, automatic, online banking or telephone, with no transfers by check, draft, check card or similar order to third parties.

Business Investment Savings
Earn a higher interest rate, with a $2,500 minimum balance

Certificates of Deposit
If you’re confident you can let your excess cash sit for a specific amount of time, you may want to consider a CD. We have variations that offer high yields and flexible terms.

Call 888-645-4121 or email for more details or to open an account.

Citizens/Champaign Bank will never ask you for account or personal information via email or a link to a website. If you received a suspicious email and provided your account or personal information, contact Customer Service immediately at (888) 383-5133.

For your convenience, Citizens Bank offers various links that may direct you away from the Citizens web site. Citizen Bank is not responsible for content or security of these web sites.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURACE COVERAGE FOR TRANSACTION ACCOUNTS- All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account " includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. .