Checking - Citizens Bank

8-Month CD
2.01% APY^*

Effective date of offering: 03/19/2008

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Checking

To better serve our customers we have extended our business day to 4 pm.

Made in the Shade - Use Your Debit Card and Win!
Use your debit or ATM card for PIN- or signature-based purchases for chances to win a patio set valued at $500 or a gazebo, valued at $300. Visit http://www.shazam.net/rules_madeintheshade.html for official rules and complete contest details.

Mastercard Business Debit Card - Guide to Benefits

Lost or stolen debit or ATM card? Call Shazam at 1-800-383-8000.

Citizens Choice Checking
Earn weekly interest on your funds in addition to enjoying all the great benefits of the Premier Checking account. By maintaining a minimum balance of $1,000, you will avoid the $10.00 monthly service fee. Image copies of checks are issued with the monthly statement.

Citizens Advantage Club Checking
This account is designed exclusively for our Advantage Club members age 55 and above. Enjoy the benefits listed below in addition to those of the Premier Checking account by maintaining a $2,500 monthly balance in any combination of deposit accounts. You will earn interest monthly on your checking funds and receive image copies of your checks with the monthly statement.

Additional Free Services : Cashier's Checks, Money Orders, Travelers Checks, Photocopies and Notary Service ²

Citizens Freedom Checking
This account has no monthly fees or minimum balances. You receive a monthly statement, which includes check images.

Free Checks ¹

Free Debit Card (Available upon approval)

Free 24-Hr TeleBank Information Line

Free access to Citizens eBranch Banking

10 Service-Charge-Free ePay transactions per statement cycle with Direct Deposit from your Employer, Social Security or other recurring deposits. Additional transactions $.75 each. ³

Citizens Student Checking
This account is designed for young adults between the ages of 17 and 23. There are no minimum balances to maintain and a monthly statement is issued including check images.

Free Checks ¹

Free Debit Card (Available upon approval)

Free 24-Hr TeleBank Information Line

Free access to Citizens eBranch Banking

10 Service-Charge-Free ePay transactions per statement. Additional transactions $.75 each.

In accordance with Section 326 of the USA PATRIOT ACT, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information. In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customer's identity and confidentiality is our pledge to you. We proudly support all efforts to protect and maintain the security of our customers and our country.

* Annual Percentage Yield. Yield Stated Assumes Interest Compounding Quarterly. $1,000 Minimum Balance. Penalty for Early Withdrawal. Rate Subject to Change Without Notice. After the CD is Opened, the Interest Rate is Fixed for the Term.

¹ Check styles restricted.

² We reserve the right to limit quantities.

³ First Direct Deposit must be received within 60 days of account opening. A qualifying Direct Deposit is a Direct Deposit of your salary, pension, Social Security, or other regular monthly income of $100 or more electronically deposited to your account. For accounts without Direct Deposit ePay service is available for a fee of $5.95 per statement cycle, which includes 10 transactions. Additional transactions are only $.75 each.

⁴ Purchased with funds not currently on deposit with Citizens Bank.