NOW Checking Account

NOW Checking Account

The interest bearing checking account

  • Master Money Debit Card (fees may be incurred at a foreign bank's atm, $ 1.00 monthly fee per card on account).
  • Free ATM Service at Citizens State Bank locations.
  • Free Internet Banking
  • Free 24hr Telephone Banking
  • Free monthly bank statement with imaging of cancelled checks.
  • *Bill Pay (3 month FREE trial period).
  • Interest earned on daily collected balance of $ 1,000 or more.
  • **We offer a $ 600.00 Occasional Overdraft Privilege Service(OOPS!)
  • If you close your account within 90 days a fee of $ 50.00 will apply
  • .
  • First 50 debits posted to the account during the statement cycle are free,(any additional debit transaction will be assessed a $0.25 per item fee).

* $5.95 after the 3 month trial period.

** Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means. Our normal non-sufficient funds or overdraft charge (currently $30.00) will apply to each item overdrawing your account. Typically, we will charge this $1.00 daily overdraft fee for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance. Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%.We reserve the right to require you to repay your overdrafts immediately or on demand. To qualify account must be opened for at least thirty (30) days and must have cumulative deposits of at least $ 400.00.