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    • personal-banking Citizens Bank & Trust serves all your Personal Banking needs.
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Home \ Personal Banking \ Checking & Savings

Checking & Savings

We have several options to meet your Checking and Savings Account needs. You can conveniently manage your accounts online or by phone 24 hours a day, 7 days a week. We also offer ATM Cards and Check Cards for fast, flexible banking on the go.

More information about account options are below. To get started and open your new account, contact Deidra Beilke, Crystal Robinson, Jill Tintes or Dianne Pacso at 320-587-2233.

Checking Account Options

CB E-Checking

Minimum to Avoid Maintenance Fee
No minimum balance

Service Charge
No monthly fee
Safekeeping: Free

Interest
None

Statements
E-Statements (if email is undeliverable, account converts to Basic Checking)

Checking Reserve
Available to qualified account

ATM Check Card
ATM/Check Card free at CB/Privileged Status machine
$1 per transfer at all other machines

Additional Features
Free CB On-Call Telephone Banking
Free CB Online Banking
E-Statements
Free Bill Pay

Basic Checking

Minimum to Avoid Maintenance Fee
No minimum balance

Service Charge
Safekeeping: $2.00 / month
Images: $4.00 / month

Interest
None

Statements
Paper statement mailed to you

Checking Reserve
Available to qualified account

ATM Check Card
ATM/Check Card free at CB/Privileged Status machine
$1 per transfer at all other machines

Additional Features
Free CB On-Call Telephone Banking
Free CB Online Banking
E-Statements
Free Bill Pay

Money Market Checking

Minimum to Avoid Maintenance Fee
$200 minimum or $1,000 avg collected balance

Service Charge
If below minimum: $4.00/month + 20¢/check
Safekeeping: Free
Images: Free

Interest
Compounds monthly

Statements
E-Statement or Paper

Checking Reserve
Available to qualified account

ATM Check Card
—-

Additional Features
Free CB On-Call Telephone Banking
Free CB Online Banking
Tiered Rates
E-Statements
Free Bill Pay

 

Savings Account Options

Blue Chip Savings

Minimum to Avoid Maintenance Fee
$100 minimum to earn interest

Service Charge
$6 per quarter if below avg ledger balance of $50

Interest
Compounds quarterly

Additional Features
Free CB
On-Call Telephone Banking
Free CB Online Banking
$25 minimum for minors to earn interest

Money Market

Minimum to Avoid Maintenance Fee
$1,000 minimum

Service Charge
If below minimum: $4.00 per month

Interest
Compounds quarterly

Additional Features
Free CB
On-Call Telephone Banking
Free CB Online Banking
Tiered Rates

CB Investment Savings

Minimum to Avoid Maintenance Fee
$15,000 minimum

Service Charge
If below minimum: $10.00 per month

Interest
Compounds quarterly

Additional Features
Free CB
On-Call Telephone Banking
Free CB Online Banking
Tiered Rates

Contact us to find out more about Checking and Savings Accounts.

To get started today, contact a Customer Service Representative at 320-587-2233.

Understanding Your Account – Terms and Conditions

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Personal Banking

  • Manage Your Money
    • Checking & Savings
    • E-Checking
    • Student Checking Account
    • Little Tigers
    • Snowbirds
    • ATM & Debit Cards
    • Fraud Prevention
    • Telephone Banking
  • Borrow Money
    • Mortgage Loans
    • Consumer Loans
    • Home Equity Loans
    • Personal Credit Card
  • Access Your Money
    • Online Banking
    • Online Bill Pay
    • External Transfer
    • Zelle®
    • Mobile Banking
    • Mobile Deposit
    • Digital Wallet
  • Invest for the Future
    • IRA
    • Investment Services
  • Resources & Tools
    • Forms
    • Financial Calculators
    • Rates & Specials
    • FAQ’s
Catch the Buzz!
Member FDIC

Downtown Office

102 Main St South
PO Box 339
Hutchinson, MN 55350

Phone 320-587-2233
Toll 888-234-2910
Fax 320-587-5738

South Office

1390 Hwy 15 South
PO Box 339
Hutchinson, MN 55350

Phone 320-587-2233
Fax 320-234-0682

Lobby Hours

Mon-Fri 9am-4pm

Drive Thru Hours

Mon-Fri 8am-5pm
Saturday 9am-12pm
© 2023 Citizens Bank & Trust Co.
All Rights Reserved. Privacy Policy

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© 2023 Citizens Bank & Trust Co.
All Rights Reserved. Privacy Policy

Website Developed by Vivid Image