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APY = Annual Percentage Yield. Rates effective on 11/8/2024 Fees may reduce earnings. Variable account rates may change after account is opened. All of our rates are subject to change without notice. The stated rates and APY are accurate as of the above effective date. Account fees may reduce earnings. Please contact our Bank for more information concerning fees, terms applicable to advertised accounts, and most current rates at 256-505-4600.


Citizens Cash Checking* Learn More

Balance Minimum to
Open
Rate APY
$0 to $15,000 $25 2.96% 3.00%
$15,000+ $25 0.15% 3.00 to 0.15% Blended
All balances
if qualifications not met
$25 0.05% 0.05%

Enrollment and receipt of online statements is a condition of having a Citizens Cash Checking account. In order to qualify, you must receive an online statement, have at least 10 debit card purchases post and clear, and have at least one ACH (deposit or withdrawal) or bill pay transaction post and settle during each Monthly Qualification Cycle1. Transfers between accounts do not count towards qualifying transactions. No minimum balance required to obtain the advertised APY.

Citizens Prime Checking Learn More

Balance Tier Minimum to
Open
Rate APY
$0 to < $50,000 Base, 5% of PRIME $10,000 0.388% 0.39%
$50,000 - $149,999 Tier 1, 7% of PRIME $10,000 0.543% 0.54%
$150,000 - $249,999 Tier 2, 9% of PRIME $10,000 0.698% 0.70%
$250,000 - $499,999 Tier 3, 11% of PRIME $10,000 0.853% 0.86%
$500,000 - $999,999 Tier 4, 13% of PRIME $10,000 1.008% 1.01%
$1,000,000+ Tier 5, 15% of PRIME $10,000 1.163% 1.17%

Minimum opening deposit of $10,000 required. Monthly maintenance fee of $10 if daily balance drops below $10,000. No minimum balance required to obtain the advertised APY. See below for Prime3 rate details. Rate is variable and subject to change after your account is opened. 

Business Money Market Learn More

Balance Tier Minimum to
Open
Rate APY
Base < $20,000 Base, 3% of PRIME $5,000 0.23% 0.23%
$20,000 Tier 1, 4% of PRIME $5,000 0.31% 0.31%
$50,000 Tier 2, 5% of PRIME $5,000 0.39% 0.39%
$100,000 Tier 3, 6% of PRIME $5,000 0.47% 0.47%
$250,000 Tier 4, 7% of PRIME $5,000 0.54% 0.54%

Minimum opening deposit of $5,000 required. Includes limit of 6 withdrawals per statement. Excessive withdrawal fee of $10 per item over regulatory limit. Limited transaction account2. Monthly fee of $10 if minimum daily balance drops below $5,000. See below for Wall Street Journal Prime3 details. Rate is variable and subject to change after your account is opened. No minimum balance required to obtain the advertised APY.


 1The 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 statement cycle. When the monthly qualification cycle ends on a weekend or holiday, the statement cycle will close on the last business day prior to the normal monthly qualification cycle day.

2Savings and Money Market accounts are limited transaction accounts and withdrawals over the
6-transaction limit may result in fees, account closure, change of account type, termination of transfer capability or other remedial action. See your account disclosure or contact a Customer Service Representative for full details.

3Prime equals 7.75% as published by the Wall Street Journal as of 11/8/2024.