Citizens Bank of Washington County offers a variety of checking accounts, one of which is sure to meet your needs. The following types of checking accounts are available:
Personal Checking
Suggested for the consumer who writes fewer than 20 checks per month.
Features:
- No minimum balance fee with $500.00 minimum daily balance
- If daily balance falls below $500.00 on any day of the month, a $4.00 minimum balance fee and a $.20 fee per debit are applied
- Debit Card (with credit approval)
- Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking.
- Minimum opening deposit of $100.00
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Flat Fee Checking
Suggested for the customer who writes more than 20 checks per month.
Features:
- There is a monthly minimum balance (membership) fee for this account of $7.00.
- No minimum daily balance required
- Unlimited check writing
- Receive first order of standard checks at no cost
- Debit Card (with credit approval)
- Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking
- Minimum opening deposit of $100.00.
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Senior Checking or Student Checking
Customers who are 50 or 'better' may take advantage of the Senior account, and the Student Checking account is ideal for the full-time college student and high school student between the ages of 15-25.
Features:
- No minimum daily balance required
- Debit Card (with credit approval)
- Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking.
- Minimum opening deposit of $100.00.
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Free Checking
Suggested for the consumer who loves using technology for managing their account.
Features:
- No minimum daily balance required
- No Images are included with your account statement, unless you are enrolled in the eStatement Delivery program.
- Debit Card (with credit approval)
- Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking.
- Minimum opening deposit of $100.00
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Interest Checking
Earn a competitive interest rate*.
Features:
- No minimum balance fee with $1000 minimum daily balance.
- If the daily balance falls below $1000.00 on any day of the month, a $5.00 minimum balance fee and a $.25 fee per debit are applied.
- Daily balances greater than $2500.00 will earn interest at a slightly higher rate.
- Debit Card (with credit approval).
- Interest earned beginning on the business day of deposit.
- Interest compounded and credited monthly.
- Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking.
- Available to individuals within Washington, Bulloch, & contiguous counties.
- Minimum opening deposit of $1000.00. Call one of our convenient locations for rates.
- *Bank may change interest rate at any time at our discretion.
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Business Checking
- No minimum balance fee with $1000.00 minimum daily balance
- If daily balance falls below $1000.00 on any day of the month, a $5.00 minimum balance fee and a $.20 fee per debit are applied
- Debit Card (with credit approval)
- Availability of night depositories
- Merchant check verification available
- There is a $5.00 per item fee for returned checks, either charged back to or picked up by a merchant.
- Cash services
- Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking
- Minimum opening deposit of $100.00
