Commercial NOW with OOPS

Commercial NOW

Additional Terms. 
The following additional terms apply to this account and also see Limits and Fees Disclosure:

  • Free 24 hour telephone banking
  • Free Internet Banking
  • Bill Pay (3 month FREE trial period)***

***Bill Pay allows up to 10 payments each month for only $5.95 per month.  Payments in excess of 10 are charged $0.45 each.

  • During the statement cycle the first 50 debits posted to the account will be free, any additional debit transactions will be assessed a $0.25 per item fee.
  • If your balance falls below $1,000.00 any day during the statement cycle, a $5.00 maintenance fee will be assessed.
  • You will receive a bank statement with imaging of cancelled checks.
  • We offer a $1,500.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.
  • Occasional Overdraft Privilege Service (OOPS!) is a purely discretionary courtesy service and we are not obligated to pay any item.  Overdrafts may be created by check, in person (teller) withdrawal or electronic means.  The overdrawn balance must be paid within 35 days or the overdraft privilege will be terminated.  Please ask for an overdraft policy for more information. 
  • We will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period of 18%.
  • An NSF fee of $32.00 will be asses for any item being paid or returned.
  • Citizens State Bank policy is to pay items from lowest – highest dollar amount.
  • If you close your account within 90 days a fee of $50.00 will apply.