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PERSONAL BANKING
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personal banking - checking account

personal checking and savings

Personal Checking & Savings Accounts Overview

 
Citywide Banks offers a broad range of interest-earning and non-interest-earning checking accounts, as well as a series of personal savings account options. Select the account that best fits your household's needs. Stop by any branch location or contact your local branch to open your account.
 
NOTICE: Account Terms Change for Bounce ProtectionSM
Effective July 1, 2011, NSF fees for overdrafts paid via Bounce Protection Overdraft Privilege are limited to three (3) per day and a maximum of $99 per day.
 
NON-INTEREST-EARNING Checking Accounts
 
PERSONAL ECONOMY CHECKING    remote depositView summary brochure
Designed for customers who anticipate low account activity and prefer predictable fees without having to worry about maintaining a specific balance.
  • Low cost checking
  • No minimum balance required
  • Write a limited number of checks at no charge
  • Check images available via OnlineOption FREE
  • Debit card with no annual fee
  • Free E-Statements & E-Alerts
  • Online Bill Pay -- Free
  • Deposits automatically insured by the FDIC
  •  
    PERSONAL CHECKING    remote depositView summary brochure
    An account for customers who write a higher number of checks and are interested in maintaining a specific balance to avoid monthly service charges.
    • Write an unlimited number of checks at
      no charge
    • Low minimum balance required to avoid
      monthly balance service fee
    • FREE for first year! Monthly balance
      service fee is waived
    • Check images available via OnlineOption FREE
      or with your statement for $5 extra per month
  • First order of bank stock checks -- FREE!
  • Debit card with no annual fee
  • Free E-Statements & E-Alerts
  • Online Bill Pay -- Free
  • Deposits automatically insured by the FDIC
  •  
     
    INTEREST-EARNING Checking Accounts
     
    PERSONAL INTEREST CHECKING   remote depositView summary brochure
    Designed for customers who want to earn interest with the convenience of unlimited check writing.
    • Earn interest on daily ledger balance
    • Write an unlimited number of checks
      at no charge
    • Maintain a minimum balance to avoid
      monthly balance service fee
    • Check images available via OnlineOption FREE
      or with your statement for $5 extra per month
  • Debit card with no annual fee
  • Free E-Statements & E-Alerts
  • Online Bill Pay -- Free
  • Deposits automatically insured by the FDIC
  •  
    SENIOR ADVANTAGE CHECKING   remote depositView summary brochure
    An interest-bearing checking account tailored for customers 55 years of age and over.
    • Earn interest on daily ledger balance
    • No minimum balance requirement
    • Write an unlimited number of checks
      at no charge
    • Check images available via OnlineOption FREE
      or with your statement for $2 extra per month
  • First order of bank stock checks -- FREE!
  • Debit card with no annual fee
  • Free E-Statements & E-Alerts
  • Online Bill Pay -- Free
  • Deposits automatically insured by the FDIC
  •  
    prevent overdrafts
     
    INTEREST-EARNING Savings Accounts
     
    PERSONAL SAVINGS     remote depositView summary brochure
    Designed for customers who want to earn interest on balances in an accessible savings account (subject to maximum allowable limits).
    • Earn interest on daily ledger balance
    • Convenient withdrawal access
      (limited # allowed)
    • Quarterly statements
  • Minimum daily balance can offset monthly
    balance service fee
  •  
    MONEY MARKET ACCOUNT     remote depositView summary brochure
    Designed for those who wish to earn a market rate of interest with the convenience of check access (subject to maximum allowable limits).
    • Competitive rate of return
    • Convenient check access (limited # allowed)
  • Minimum daily balance requirement to offset
    monthly balance service fee
  • remote depositLearn more about Personal Money Market Accounts
     
    HEALTH SAVINGS ACCOUNT (HSA)*   remote depositView summary brochure
    An account designed for tax-deductible funds to pay qualified medical expenses for individuals enrolled in a high-deductible health insurance plan.
    • Interest earned on daily balance when
      balance is $100 or more
    • $3 monthly balance fee if daily balance
      falls below $1,000
  • Debit card with no annual fee
  • Deposits automatically insured by the FDIC
  • * For eligibility requirements and tax benefits consult your tax advisor
    remote depositLearn more about Personal Health Savings Accounts
     
    INDIVIDUAL RETIREMENT ACCOUNT (IRA)*   remote depositView summary brochure
    Traditional and Roth IRA accounts are available to help you meet your retirement savings goals. IRAs are subject to a penalty for early withdrawal. Stop by any branch location to open an IRA account.
    * For eligibility requirements and tax benefits consult your tax advisor
     
    CERTIFICATES OF DEPOSIT (CD)    remote depositView summary brochure
    A time-deposit account for customers wishing to earn a higher fixed rate of interest for a defined term. Multiple rates and terms are available. CDs are subject to a penalty for early withdrawal.
    remote depositLearn more about CD Accounts