Checking

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Welcome to banking your way.

From our value-added Choice Checking to FREE Checking, we have a checking account designed for the way you live. All of our checking accounts offer you the convenient access you expect - online banking, mobile banking, Bill Pay and more - so you can do your banking anywhere, anytime, any way you want!

Choice Checking

Everyday savings and value is why more Citizens and Champaign Bank customers choose our Choice Checking Account.

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  • Easy account access
  • No minimum balance requirement
  • Free box of checks annually1
  • Free cashier's checks  - up to two per month
  • Cell phone replacement protection
  • Free Safe Deposit Box2
  • Free coin machine use
  • Identity monitoring
  • Identity theft and payment card protection
  • Shopping, dining and travel discounts at BaZing.com
  • Pharmacy, Vision & Hearing Discounts

All for just $7.00 per month.

Free Checking

You'll find all the basic services & access you need with our Free Checking.  There's no monthly service charge with free online banking & eStatements3.

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  • No minimum balance to maintain
  • Unlimited transactions
  • No monthly service charge with free online banking and eStatements3
  • Visa® debit card with no monthly fee

Interest Checking

This checking account offers you potential to earn more as your checking account balance grows.

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  • Tiered interest rates.
  • Unlimited number of checks may be written.
  • No monthly service charge when your minimum daily account balance is $1,200 or more.
  • Monthly service charge = $9.00 when balance falls below $1,200.00.

Choice 50 Plus

Customers 50 and older will enjoy the additional savings and value offered with one low, flat monthly service charge.

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  • No minimum balance requirement
  • Tiered interest rates.
  • Free box of checks annually1
  • Free cashier's checks  - up to two per month
  • Cell phone replacement protection
  • Free Safe Deposit Box2
  • Free coin machine use
  • Identity monitoring
  • Identity theft and payment card protection
  • Shopping, dining and travel discounts at BaZing.com
  • Pharmacy, Vision & Hearing Discounts

All for just $5.00 per month.

Student Free Checking

We'll help you get started on the right foot - with all the features you need and account access options to take you anywhere.  Student Free Checking gives you unlimited check writing, no minimum balance requirement and no monthly service charge with free online banking and eStatements3.

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  • Account qualifications: Student 16-23 years of age is an owner on account.  Accounts opened by a minor (under 18) require a joint owner 18 years of age or older on the account.
  • No minimum balance to maintain
  • Unlimited transactions
  • No monthly service charge with free online banking and eStatements3
  • Visa® debit card with no monthly fee
  • Identity theft and payment card protection up to $1,000 reimbursement
  • Plus, Expanded FREE ATM access
    • At any of our Citizens or Champaign Bank ATMs
    • Non-proprietary ATM fee waived when you use ATMs we don't own - up to four per statement period4
    • We'll even rebate the first four ATM surcharges from other ATM owners each statement period4

Open a Statement Savings account with $25 or more and keep your savings separate from your everyday spending.  There's no minimum balance required as long as you have your Student Free Checking account.

1 One box of wallet-style Specialty Blue checks per year free or choose a designer check at 50% off.
2 Free safe deposit box is limited to one year and subject to availability.
3 eStatement is account standard.  Optional paper statement may be substituted upon request with $2.00 monthly fee.
4 Non-proprietary ATM transaction fee is $2.00.  The first four ATM surcharges per statement period are at no cost to the customer; The fifth and subsequent ATM surcharge per statement period may also apply and varies by ATM owner.