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Open an account, eliminate your monthly fee, and get complete control over your checking.

Key Features

  • ATM Withdrawal Fee Refunds1
  • Free Digital Banking2
  • Unlimited Checking

Do you currently have an account with Citizens Bank & Trust?

  • Low $7.95 monthly maintenance fee
  • Easily eliminate your fee
  • Refunds on ATM withdrawal fees, nationwide(up to $10 per qualification cycle)1
  • Unlimited check writing
  • Free digital banking services2, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free online statements
  • Free Mastercard® debit card3
  • $25 minimum deposit to open

Make Your Monthly Fee Go Away

When you do one of the following transactions and activities in your InControl checking account during a Monthly Qualification Cycle, your monthly service fee of $7.95 will be waived:

  • Be enrolled in and agree to receive online statements
  • Have at least 10 debit card purchases post and settle 

Fee is not waived if these activities do not occur. Your aggregate fee reduction earnings will be credited to your InControl checking account in the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened. 

Meet Both Qualifications and Receive ATM Withdrawal Fee Refunds

If BOTH qualifications are met: In addition to the account's fee being eliminated, you will also receive reimbursements up to an aggregate total of $10 (max. $5.00 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified.

Want a free account that earns rewards for doing similar activities? See our free Kasasa® checking accounts!

Do you currently have an account with Citizens Bank & Trust?

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.