Personal Accounts

All account holders receive free E-statements, notary services, internet banking, and mobile banking. Account holders must sign up to receive E-statements, and once activated, account holders will have access up to 18 months of statements.

We welcome customers under the age of 18 who would like to become an account holder, but we do require joint ownership with a parent or guardian. Accounts opened under the Georgia Transfer to Minor Act requires the designation of one custodian (parent or guardian).

Basic
Interest	Variable; Payable if maintain daily balance of $1,000
Minimum to Open	$50
Service Charge	$5 if daily balance falls below $500
E-Statements	Optional
ONtheGO
Interest	N/A
Minimum to Open	$50
Service Charge	None
E-Statements	Required
Advantage
Interest	Variable; Payable if maintain daily balance of $1,000
Minimum to Open	$50
Service Charge	$15 if Aggregate Balance falls below $15,000
E-Statements	Optional
Money Market
Interest	Variable
Minimum to Open	$2,500
Service Charge	$25 if daily balance falls below $2,500
E-Statements	Optional
Savings
Interest	Variable; Payable if maintain daily balance of $50
Minimum to Open	$50
Service Charge	$2 if daily balance falls below $50
E-Statements	Optional

	Interest	Minimum to Open	Service Charge	E-Statements
Basic	Variable; Payable if maintain daily balance of $1,000	$50	$5 if daily balance falls below $500	Optional
ONtheGO	N/A	$50	None	Required
Advantage	Variable; Payable if maintain daily balance of $1,000	$50	$15 if Aggregate Balance falls below $15,000	Optional
Money Market	Variable	$2,500	$25 if daily balance falls below $2,500	Optional
Savings	Variable; Payable if maintain daily balance of $50	$50	$2 if daily balance falls below $50	Optional

Additional Information

Citizens ONtheGo

This account does not have any monthly service charge and is non-interest bearing. Account holders must sign-up for electronic statements as they will not receive paper statements.

Citizens Basic

With unlimited debits and a set service fee each month, this account is perfect for those that want a convenient and low-maintenance checking account. Don’t want a monthly service fee? If you keep a minimum daily balance of $500.00 or more, the service fee is automatically waived! And, if you keep a minimum daily balance of $1,000.00 or more, this full-service checking account will provide you with interest income as well.

Citizens Advantage

To qualify for this account, you must have an aggregate balance of $15,000.00 in your personal deposit accounts with CCB. This interest-bearing account is perfect for customers who have multiple accounts with our bank, such as a Certificate of Deposit or Savings Account. With free checks* and a free Safe Deposit Box**, this is our premier checking account.

*Wallet style blue, green or yellow safety paper checks or a discount on select check styles (2 box limit per order)

**Free 3x5 or a discount on a larger box

Citizens Savings

Whether you are a minor who wants to start saving early or an adult who wants to save for that vacation or unexpected expense, this is the perfect account for people of all ages. Interest payable and no monthly service fee if you maintain a daily balance of $50.00 or more.

Citizens Money Market

This interest-bearing account is available to Business and Personal customers. There is no monthly service fee if you maintain a daily balance of $2500.00 or more.