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Citizens Cash:

FEES AND CHARGES. Please refer to the separate fee schedule linked below. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Schedule of Fees

*APY=Annual Percentage Yield. APYs accurate as of 09/01/2018. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Limited ATM fees incurred during qualification cycle will be reimbursed up to $10 ($5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) Qualifying balances up to $15,000 receive APY of 3.00%; and (3) Qualifying balances over $15,000 earn 0.15% interest rate on portion of balance over $15,000. Qualifying accounts where total balances remain below $15,000. throughout a qualification period earn 3.00% APY on the entire balance during that qualification period. Qualifying accounts with balances that exceed $15,000. at any point during a qualification period earn a .15% APY, on the excess funds. This results in a blended APY between 3.00% and .15% on the funds in excess of the first $15,000. For example an account with a qualifying and constant balance of $115,000. the blended APY would be .52%. The first $15,000. would have earned 3.00% APY and the remaining $100,000. would have earned .15% APY. Balances higher than $115,000 would yield an APY less than 0.52% APY. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions and withdrawals do not count towards qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $4.99 or higher. This account is for consumers only. Limit one account per SSN. An Online Statement is required to have this account.

CURRENT RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 9/1/18. To obtain the current rate(s) and annual percentage yield information, please call (256) 505-4600. We may change the interest rate on your account at any time. There are no minimum or maximum rate limits for this account. Interest will be compounded monthly and credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

2Third party fees for Internet, messaging, and data plans may apply.

3Overdraft and returned item fees may apply. Visa is a registered trademark of Visa International Service Association.

Citizens Cash Back:

FEES AND CHARGES. Please refer to the separate fee schedule linked below. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Schedule of Fees

*Minimum to open account is $25. The qualification cycle is not the same as your monthly statement cycle. Qualifying transactions must post and settle to the account during the qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. Transfers between your accounts with us do not count as qualifying transactions. ATM-processed transactions and withdrawals do not count towards qualifying transactions. Contact us for more information about the qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM fee reimbursements provided only if qualifications are met within the qualification cycle. The maximum fee refund amount per transaction is $5.00. The maximum ATM refund amount per cycle is $10. To receive an ATM fee refund of $4.99 or more, transaction receipt must be presented to Customer Service Representative.

CURRENT RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 9/1/18. To obtain the current rate(s) and annual percentage yield information, please call (256) 505-4600. We may change the interest rate on your account at any time. There are no minimum or maximum rate limits for this account. Interest will be compounded monthly and credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

2Third party fees for Internet, messaging, and data plans may apply.

3Overdraft and returned item fees may apply. Visa is a registered trademark of Visa International Service Association.

Citizens Basic:

FEES AND CHARGES. Please refer to the separate fee schedule linked below. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Schedule of Fees

1The qualification cycle is not the same as your monthly statement cycle. Qualifying transactions must post and settle to the account during the qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. Transfers between your accounts with us do not count as qualifying transactions. ATM-processed transactions and withdrawals do not count towards qualifying transactions. Contact us for more information about the qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM fee reimbursements provided only if qualifications are met within the qualification cycle. The maximum fee refund amount per transaction is $5.00. The maximum ATM refund amount per cycle is $10. To receive an ATM fee refund of $4.99 or more, transaction receipt must be presented to Customer Service Representative.

2Third party fees for Internet, messaging, and data plans may apply.

3Overdraft and returned item fees may apply. Visa is a registered trademark of Visa International Service Association.