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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 to individuals within Washington, Bulloch, & contiguous counties:
  • The Personal Way
  • The Simple Way
  • The Senior Way
  • The Online Way
  • The Earnings Way
  • The Business Way
All checking products offered by Citizens Bank have unlimited check writing and debit card use. Also, customers can receive information regarding their accounts 24 hours a day with CBWC Action Line or Internet Banking.

The Personal Way

Features:
  • Minimum opening deposit of $100.00
  • No minimum balance fee with $500.00 minimum daily balance
  • If daily balance falls below $500.00 on any day of the month, a $7.00 minimum balance fee and a $.20 fee per debit are applied
  • Statements with images available via US Mail or online
  • Debit Card
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The Simple Way

Features:
  • Minimum opening deposit of $100.00
  • There is a monthly flat fee for this account of $7.00, with no balance requirements
    - Although there is no minimum balance requirement, the monthly flat fee will be disclosed as a "minimum balance fee" on your account statement
  • Statements with images available via US Mail or online
  • Debit Card
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The Senior Way

Customers who are 50 or 'better' may take advantage of the Senior account
Features:
  • Minimum opening deposit of $100.00
  • No minimum daily balance required
  • Debit Card
  • Statements with images available via US Mail or online
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The Online Way

Suggested for the consumer who loves using technology for managing their account
Features:
  • Minimum opening deposit of $100.00
  • No minimum daily balance required
  • Debit Card
  • Statements are only available online. Account holder must be enrolled in Internet Banking and online statements.
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The Earnings Way

Earn a competitive interest rate*.
Features:
  • Minimum opening deposit of $1000.00
  • No minimum balance fee with $1000 minimum daily balance
  • If the daily balance falls below $1000.00 on any day of the month, a $7.00 minimum balance fee and a $.20 fee per debit are applied
  • Daily balances greater than $2500.00 will earn interest at a slightly higher rate
  • Debit Card
  • Statements with images available via US Mail or online
  • Interest earned beginning on the business day of deposit
  • Interest compounded and credited monthly
*Bank may change interest rate at any time at our discretion
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The Business Way

Features:
  • Minimum opening balance of $100.00
  • No minimum balance fee with $1000.00 minimum daily balance
  • If daily balance falls below $1000.00 on any day of the month, a $7.00 minimum balance fee and a $.20 fee per debit are applied
  • Debit Card
  • Statements with images available via US Mail or online
  • Availability of night depositories
  • Merchant check verification available
  • There is a $9.00 per item fee for returned checks, either charged back to or picked up by a merchant.
    **Money Service Businesses, Sweep Accounts, and Cash Intensive Businesses may be subject to an alternative service charge schedule.