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During normal business hours call:
318.649.6136
After business hours call:
800.500.1044
Personal Checking
Feature | Requirement/Charge |
---|---|
Minimum Initial Deposit | $100 |
Minimum Balance Required During Statement Cycle: | |
$800 and Over | No Charge |
$600 - $799.99 | $2.00 |
$400 - $599.99 | $3.00 |
$200 - $399.99 | $4.00 |
$199.99 and Under | $5.00 |
Statement Period | Monthly |
Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
Insufficient Funds Charge (Per Item) | Refer to Other Fees |
Stop Payment Charge (Per Item) | Refer to Other Fees |
Senior Citizens 62 years and older are exempt from maintenance fee and also get FREE personalized safety paper checks.
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Commercial Checking
Feature | Requirement/Charge |
---|---|
Minimum Initial Deposit | $100 |
Minimum Balance Required During Statement Cycle | None |
Statement Period | Monthly |
First Order Safety Paper Checks | No Charge |
Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
Insufficient Funds Charge (Per Item) | Refer to Other Fees |
Commercial Checking Fee | $5.00 |
Stop Payment Charge (Per Item) | Refer to Other Fees |
Commercial Interest Checking
Variable Rate Information
The interest rate and annual percentage yield for this account will be:
Interest Rate: 1.0000% APY: 1.01%
NOTE: In this disclosure, Annual Percentage Yield is abbreviated as "APY".
Determination of Rate
At our discretion, we may change the interest rate on your account.
Frequency of Rate Change
We may change the interest rate on your account at any time.
Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you may not receive the accrued interest.
Feature | Requirement/Charge |
---|---|
Minimum Initial Deposit | $100 * A service charge of $12.50 will be imposed monthly if the balance in the account falls below $2,000.00 any day of the month. |
Statement Period | Monthly |
Fees and Charges | Refer to Schedule of Account Fees |
Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual and Noncash Deposits
Interest begins to accrue no later than the business day we receive provisional credit for the deposit of non-cash items (for example, checks)
Additional Disclosure Information
To qualify for this account you must receive your monthly statement electronically.
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Citizens Plus Checking
Feature | Requirement/Charge |
---|---|
Minimum Initial Deposit | $100.00 |
Minimum balance required | None |
VISA Debit Card | None |
Interest Earned | |
Compounded and Credited | Monthly |
Computation Method | Daily Balance |
On non-cash items, interest will begin to accrue when funds are collected. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time. |
|
Other Fees | |
Funds transferred between inter bank accounts | No Charge |
Receipt of Statements | |
e-Statements | No Charge |
Postal Mail | $3.00 |
Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
Insufficient Funds Charge (Per Item) | Refer to Other Fees |
Stop Payment Charge (Per Item) | Refer to Other Fees |
Student Checking
Feature | Requirement/Charge |
---|---|
Minimum Initial Deposit | $50.00 |
Minimum Balance Required During Statement Cycle | None |
Statement Period | Monthly |
First Order Safety Paper Checks | No Charge |
Returned Item Fee / Overdraft Fee (each) | $12.00 |
Insufficient Funds Charge (Per Item) | $12.00 |
Stop Payment Charge (Per Item) | $20.00 |
NOW Checking
Feature | Requirement/Charge |
---|---|
Minimum Initial Deposit | $1,000.00 |
Minimum Balance Required to obtain APY | $1,000.00 |
Minimum Balance Required During Statement Cycle: | |
$1,000 and Over | No Charge |
$999 and Under | $5.00 fee |
Interest Earned | |
Compounded and Credited | Monthly |
Computation Method | Daily Balance |
On non-cash items, interest will begin to accrue when funds are collected. |
|
Statement Period | Monthly |
Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
Insufficient Funds Charge (Per Item) | Refer to Other Fees |
Stop Payment Charge (Per Item) | Refer to Other Fees |
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time. |
|
Super NOW Checking
Feature | Requirement/Charge |
---|---|
Minimum Initial Deposit | $2,500.00 |
Minimum Balance Required to obtain APY | $2,500.00 |
Minimum Balance Required During Statement Cycle: | |
$2,500 and Over | No Charge |
$2,499 and Under | $5.00 fee |
Interest Earned | |
Compounded and Credited | Monthly |
Computation Method | Daily Balance |
On non-cash items, interest will begin to accrue when funds are collected. |
|
Statement Period | Monthly |
Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
Insufficient Funds Charge (Per Item) | Refer to Other Fees |
Stop Payment Charge (Per Item) | Refer to Other Fees |
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time. |
|
Bonus Checking
Feature | Requirement/Charge |
---|---|
Minimum Initial Deposit | $100.00 |
Minimum Balance Required to obtain APY | None |
Accidental Death Insurance | |
Basic ($20,000) | $8.00 |
Personal ($40,000) | $10.00 |
Family ($60,000) | $12.00 |
Statement Period | Monthly |
Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
Insufficient Funds Charge (Per Item) | Refer to Other Fees |
Stop Payment Charge (Per Item) | Refer to Other Fees |
Bonus Checking Checks | No Charge |
Additional Benefits | No Charge |
Member Travel Magazine | No Charge |
Traveler’s Advantage & Discount | No Charge |
Credit Card Registration | No Charge |
Saver's Club | No Charge |
Wire Transfer | No Charge |
Notary | No Charge |
Cashier’s Checks | No Charge |
Money Orders | No Charge |
Accidental Death and Dismemberment Insurance:
|
Defenders of Freedom Account
- Monthly statement cycle
- No monthly maintenance fee
Feature | Requirement/Charge |
---|---|
First order of wallet checks | No Charge |
Minimum Balance Required During Statement Cycle | None |
Interest Earned | |
Compounded and Credited | Monthly |
Computation Method | Daily Balance |
On non-cash items, interest will begin to accrue when funds are collected. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time. |
|
ATM/Visa Debit Card Holder Fee | No Charge |
Cashier's Checks and Money Orders | No Charge |
Notary Service | No Charge |
Wire Transfer | No Charge |
Fax Service | No Charge |
Bonus Rate on Certificate of Deposit | |
Safe Deposit Box Rental Fee | 50% Discount (upon availability) |
Eligibility Requirements | Available to all Military Personnel (active or non-active), Veterans, Law Enforcement, Fire Fighters, and First Responders |
Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
Insufficient Funds Charge (Per Item) | Refer to Other Fees |
Stop Payment Charge (Per Item) | Refer to Other Fees |
The interest rate and annual percentage yield for this account will be:
Current Interest Rate: .2500% Current APY: .25%
Interest Rate: .2500% APY: .25%
NOTE: In this disclosure, Annual Percentage Yield is abbreviated as "APY".
Determination of Rate
At our discretion, we may change the interest rate on your account.
Frequency of Rate Change
We may change the interest rate on your account at any time.
Compounding and Crediting
Interest will be compounded and credited to your account monthly.
****Effect of Closing your Account****
If you close your account before interest is credited you may not receive the accrued interest.
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