Checking Accounts

• Rates effective March 9th, 2010
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• * APY = Annual Percentage Yield

WooHoo! Checking

Balance	APY *	Compound Frequency	Interest Rate
Balances up to $25,000	3.51%	-	3.45%
Balances over $25,000	1.01%	-	1.00%
if qualifications are not met	0.25%	-	0.25%

• ATM fee refunds up to $25 per cycle
• No minimum balance
• No monthly fees
• Unlimited check writing
• Free e-Statements
• Free ATM/Debit Card**

• Free Online Banking
• Online Bill Payment
• Free Citizens-On-Call Telephone Banking
• Detailed monthly statement
• FDIC Insured
• Rates are subject to change. Fees may reduce the earnings on the account.

** On approved credit

Citizens Super Now Checking

Balance	APY *	Compound Frequency	Interest Rate
$1,000.00 - 14,999.99	0.10%	Monthly	0.10%
$15,000.00 - 49,999.99	0.10%	Monthly	0.10%
$50,000.00 - 99,999.99	0.10%	Monthly	0.10%
$100,000.00 and above	0.10%	Monthly	0.10%

• $1000.00 minimum to open.
• If you choose to go below the $1000.00 average monthly balance during the monthly statement cycle, a $6.00 processing fee will be assessed and no interest will be paid on daily collected balance.
• Interest paid on daily collected balance.
• Unlimited check writing.
• Rates are subject to change. Fees may reduce the earnings on the account.