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
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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
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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
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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
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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)
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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
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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
Citizens Bank & Trust Co. of Jackson is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.