Checking

Student Checking:

  • Secure Online Banking
  • Secure Mobile Banking with Mobile Check Deposit
  • CBTJ Debit Card
  • 24 hour On Call Banking (606)666-Bank
  • IDProtect Score Tracker*
  • VIP Concierge
  • All for a low monthly maintenance fee of $2.95
  • $25.00 deposit to open account
  • This account remains in effect until account holder reaches 24 years of age

*Registration/activation required

Elite Checking:

  • Secure Online Banking
  • Secure Mobile Banking with Mobile Check Deposit
  • Two Free Orders of Checks Per Year
  • CBTJ Debit Card
  • 24 hour on Call Banking (606)666-Bank
  • $hopping Rewards*
  • Travel and Leisure Discount*
  • Health Discount Savings (this is NOT insurance)*
  • Identity Theft Expense Reimbursement Coverage
  • Comprehensive Identity Theft Resolution Services
  • Debit and Credit Card Registration*
  • 3-in-1 Credit File Monitoring*
  • 3-in-1 Credit Report*
  • Total Identity Monitoring*
  • Cellular Telephone Protection (cellular telephone bill must be paid through this account)
  • Debit Advantage
  • Accidental Death & Dismemberment Insurance (coverage divides equally on joint accounts & reduces by 50% at age 70)
  • All for a low monthly maintenance fee of $9.00 (Decrease maintenance fee by $1 with eStatements. Decrease maintenance fee by $1 with 35 debit card swipes in a statement cycle.)
  • $100.00 deposit to open account

*Registration/activation required

Regular Checking:

  • FREE Online Banking
  • FREE E-Statements
  • $100.00 deposit to open account
  • A maintenance fee of $7.00 will be imposed every statement cycle if the daily balance of the account falls below $700.00 any day of the statement cycle.
  • Customer purchases checks

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
  • 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.

        If you need further assistance from our New Accounts Department or would like to inquire about any of our deposit products, feel free to call any of our Customer Service Reps at 606-666-7575 or e-mail us at fgabbard@citizensbankjackson.com.  We look forward to helping you and will try to assist you in finding the plan you need to meet your financial goals.

In the event of a Lost/Stolen Debit Card after banking hours, please call our 24/7 deactivation line at 1-800-500-1044.

   

 

 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.