Citizens Cash Checking

With high interest and no fees, watch your checking account grow like never before.

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Key Features

  • High Interest*
  • No Monthly Maintenance Fees
  • ATM Withdrawal Fee Refunds*
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  • Enjoy checking with high interest
  • 3.00% APY* on balances up to $15,000 when qualifications are met
  • 3.00% to 0.52% APY* on balances over $15,000 depending on balance in account
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Digital banking services2, including:
    • Online banking with bill pay
    • Mobile banking with mobile deposit
    • Online statements
  • Unlimited check writing
  • Visa® debit card3
  • $25 minimum deposit to open

It’s Easy to Earn Your Rewards

Qualifying for rewards is so easy you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Citizens Cash account each monthly qualification cycle:

  • Be enrolled in and agree to receive online statements
  • Have at least 10 debit card purchases post and settle
  • Have at least one direct deposit, ACH payment, or bill pay transaction post and settle

It’s that simple. And if you don't qualify, don't worry. Your account still earns our base rate of interest. You can always get back to earning rewards the next cycle.

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FEES AND CHARGES. Please refer to the separate fee schedule linked below. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Schedule of Fees

*APY=Annual Percentage Yield. APYs accurate as of 09/01/2018. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Limited ATM fees incurred during qualification cycle will be reimbursed up to $10 ($5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) Qualifying balances up to $15,000 receive APY of 3.00%; and (3) Qualifying balances over $15,000 earn 0.15% interest rate on portion of balance over $15,000. Qualifying accounts where total balances remain below $15,000. throughout a qualification period earn 3.00% APY on the entire balance during that qualification period. Qualifying accounts with balances that exceed $15,000. at any point during a qualification period earn a .15% APY, on the excess funds. This results in a blended APY between 3.00% and .15% on the funds in excess of the first $15,000. For example an account with a qualifying and constant balance of $115,000. the blended APY would be .52%. The first $15,000. would have earned 3.00% APY and the remaining $100,000. would have earned .15% APY. Balances higher than $115,000 would yield an APY less than 0.52% APY. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions and withdrawals do not count towards qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $4.99 or higher. This account is for consumers only. Limit one account per SSN. An Online Statement is required to have this account.

CURRENT RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 9/1/18. To obtain the current rate(s) and annual percentage yield information, please call (256) 505-4600. We may change the interest rate on your account at any time. There are no minimum or maximum rate limits for this account. Interest will be compounded monthly and credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

2Third party fees for Internet, messaging, and data plans may apply.

3Overdraft and returned item fees may apply. Visa is a registered trademark of Visa International Service Association.