WooHoo! Simple

ATM's Free Is The Way It's Meant To Be!


A checking account that keeps it Simple!

FREE ATM's Nationwide*
No Minimum Balance


Open your new WooHoo! Simple Today!

 
 

Apply Now

 

**Important announcement regarding WooHoo! Checking, WooHoo! Simple and WooHoo! Business Accounts: Beginning Tuesday, June 2, 2020, all debit card transaction qualifications will resume.

*The monthly requirements (per qualification cycle which is the same as your statement cycle) that must be met in order for you to receive up to $25.00 in ATM refunds nationwide: must be enrolled and receive a monthly e-statement via online banking. Check card purchases only post and settle on business days. Must have at least 15 check card purchases post and settle per qualification cycle. If these requirements are not met, you will not receive ATM refunds for that qualification cycle. Available for personal accounts only. No ATM refunds will be credited the month you close your account. No minimum balance required to open account or earn rewards. 


WooHoo! Checking 

Get a checking account that will make you shout for joy!

If your checking account doesn't offer you 1.00% APY* and free ATM fee refunds nationwide, then it's time to trade up. Why go with "ho hum" when you can have WooHoo! Checking?

Summary

  • 1.00% APY* on balances up to $14,999.99 
  • 0.10% APY* on balances over $15,000
  • 0.05% APY* if qualifications aren't met
  • ATM fee refunds up to $25 per cycle
  • No minimum balance to earn rewards
  • No monthly fees
  • Unlimited check writing
  • Online Bill Payment
  • Free ATM/Check Card**
  • Free Online Banking
  • Free e-Statements
  • Free Citizens-On-Call Telephone Banking
  • Detailed monthly statement

View current rates

*APY = Annual Percentage Yield. For complete details see "More Information" below.

** On approved credit.

Qualifications

To receive the bonus rate and ATM fee refunds, simply do the following everyday activities each qualification cycle:

  • Must have at least 10 Check Card purchases post and settle
  • Have at least one Direct Deposit or ACH auto debit post and settle
  • Must be enrolled and receive a monthly e-Statement via Online banking Go! Green tab
 

**Important announcement regarding WooHoo! Checking, WooHoo! Simple and WooHoo! Business Accounts: Beginning Tuesday, June 2, 2020, all debit card transaction qualifications will resume.

 

More Information

1.00% Annual Percentage Yield (APY) - 1.00% interest rate - paid on balances between one penny and $14,999.99, and 1.00% - 0.10% APY paid on all amounts $15,000 and above each qualification cycle the minimum requirements are met and receive ATM fee refunds up to $25 nationwide for that time period. If you do not meet the requirements per qualification cycle, which is the same as your statement cycle, your account will function as a checking account earning 0.05% APY; however, it will not receive ATM refunds up to $25 for that time period. Check card purchases only post and settle on business days. Rates as of 4-2-20. We may change the interest rate & APY on your account weekly. No minimum balance required. Fees may reduce earnings. We use the average collected balance method to calculate the interest on your account and interest will be compounded and credited every month. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items, (for example, checks.) Available to personal accounts only. No monthly service charge. ATM refunds up to $25 per cycle if requirements are met. 

Apply Now


Make My Life Easy Checking accountMake My Life Easy Checking

At Citizens Bank Minnesota, we know not to mess with a classic. Our Make My Life Easy Checking comes loaded with benefits like unlimited check writing and Online Banking, but stays free.

It's just the right amount of checking for your everyday needs! No wonder it's so popular.

Summary

  • No minimum balance 
  • Unlimited check writing 
  • Online Bill Payment 
  • Free ATM/Check Card* 
  • Free Online Banking 
  • Free e-Statements 
  • Free Citizens-On-Call Telephone Banking 
  • Detailed monthly statement 
  • Overdraft protection available

*On approved credit

Apply Now


Easy Interest Checking

couple sitting on couch

Why would you go with a regular account with a low interest rate -- or no rate at all -- when you can have an Easy Interest Checking Account?

This account was designed for those who maintain a minimum balance of $1,000 and is interest bearing so you can be sure your money is working hard to raise your balance.


Summary

  • Interest bearing
  • Unlimited check writing
  • Online Bill Payment
  • Free ATM/Check Card*
  • Free Online Banking
  • Free e-Statements
  • Free Citizens-On-Call Telephone Banking
  • Detailed monthly statement
  • Overdraft protection available
  • FDIC Insured

*On approved credit

View current rates

More Information

$1000.00 minimum to open. If you choose to go below the $1000.00 minimum balance during the monthly statement cycle, a $6.00 processing fee will be assessed and no interest will be paid on daily collected balance. 

Apply Now

Log In to Online Banking

Enroll | Forgot My Password

Cell phone

Protect Your Debit Card! 

Download MyCardRules, the FREE mobile app that allows you to control how your Debit Card can be used!

Tell me more >>

Mobile Deposit

Go! Mobile Deposit

Deposit a check to your Citizens checking or savings account right from your smartphone!

Tell me more >>

money bills

Get the most out of your hard-earned cash

Let us help you plan ahead for long and short-term goals. 

Tell me more >>


Investment & Insurance products: Are Not Insured by the FDIC or any other federal government agency • Are not deposits of or guaranteed by a Bank or any Bank Affiliate • May Lose Value