Checking

Student Banclub:

  • FREE Online Banking
  • FREE E-Statements
  • $25.00 deposit to open account
  • Parents must own a Banclub account in order to qualify for this account
  • No monthly service charge
  • No minimum balance requirement
  • $10,000.00 accidental death insurance
  • This account remains in effect until the account holder reaches 23 years of age, becomes married, or is no longer a student
  • Free basic checks

Personal Banclub:

  • FREE Online Banking
  • FREE E-Statements
  • $100.00 deposit to open account
  • $7.25 monthly maintenance fee
  • No minimum balance requirement
  • $20,000.00 accidental death insurance, divided between # of account holders
  • Free basic checks

Basic Banclub:

  • FREE Online Banking
  • FREE E-Statements
  • $100.00 deposit to open account
  • $7.00 monthly maintenance fee
  • No minimum balance requirement
  • $10,000.00 accidental death insurance, divided between number of account holders
  • Free basic checks

Family Banclub:

  • FREE Online Banking
  • FREE E-Statements
  • $100.00 deposit to open account
  • $7.75 monthly maintenance fee
  • No minimum balance requirement
  • $20,000.00 accidental death insurance for head of household, $10,000.00 for spouse and $1,500.00 for each child under age 23 and full time student
  • Free basic checks

Benefits associated with all Banclub accounts are:

Car Rental Discounts
Key Ring Protection
Bonus Travel (Save money on airfare, car rental, lodging, and more)
Savers Club Book
Sojourns Magazine
Payment Card Protection (Protects all your credit, ATM, and check cards in the event of loss or theft)
 

55 Plus:

  • FREE Online Banking
  • FREE E-Statements
  • $100.00 deposit to open account
  • Customer must be 55 or older
  • No monthly service charge
  • No minimum balance requirement, however interest is earned on balances over $500.00
  • Free basic checks
  • Purchase travelers checks at no charge
  • Outgoing wire transfers are ½ price
  • Rent lockboxes for ½ price at our branch location

 


 


 

Business Accounts:

Business accounts are available to corporations, partnerships, LLC’s, and sole proprietorships.
  • FREE Online Banking
  • FREE E-Statements
  • $500.00 deposit to open account
  • $10.00 maintenance fee will be imposed every statement cycle if the daily balance falls below $1,000.00 any day of the statement cycle
  • $5.00 maintenance fee will be imposed every statement cycle if the daily balance falls below $3,000.00 any day of the statement cycle
  • Analysis is done on business accounts and if the services used warrant fees, certain fees will be imposed
  • Customer purchases checks

Non-Profit Organization Accounts:

We proudly support non-profit organizations by offering DDA accounts with no monthly service charge and no minimum balance requirements.
  • FREE Online Banking
  • FREE E-Statements
  • $100.00 deposit to open account
  • No monthly service charge
  • No minimum balance requirement
  • Customer purchases checks

NOW Accounts:

  • FREE Online Banking
  • FREE E-Statements
  • $200.00 deposit to open account
  • $8.00 maintenance fee will be imposed every statement cycle if the daily balance falls below $500.00 any day of the statement cycle
  • $6.00 maintenance fee will be imposed every statement cycle if the daily balance falls below $1,000.00 any day of the statement cycle
  • Customer must maintain a minimum daily balance of $1,000.00 to obtain the annual percentage yield
  • This is a variable rate account, interest is calculated on a daily balance
  • A charge of $0.25 per check after writing over 35 checks per month may apply
  • Corporations are not eligible
     
NOTICE: By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

 Effective February, 1, 2013, the following fees will be implemented:

$1.00 per month for paper statements* 

$1.00 per month for active debit cards
$1.50 for non-proprietary ATM use
*By signing up for e-statements, you can avoid this fee.

 

       NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE 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 seperate 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 does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money market deposit accounts, and interest on Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC Insurance coverage of transaction accounts, visit www.fdic.gov.

 

 

   

 

                                                               ATTENTION CITIZENS BANK & TRUST CO. OF JACKSON CUSTOMERS
 
Please be aware that we will NEVER contact you by telephone, e-mail, or other method and ask you personal information about your accounts or your PIN.  Remember, we already have this information.
In addition, there are safer options you can use when purchasing items in person, online, or by telephone.  You can use an electronic check conversion or a signature-based transaction with your debit card, in lieu of releasing your PIN.
There are several “phishing” scams being attempted on a daily basis and we want our valued customers to be alert and vigilant against these operations. 
If you have any questions or think you have been a victim of a phishing scam, please contact us immediately.