Citizens Bank understands you have your own unique tastes... and your own way of doing things. As the Tri-Cities leading community bank, we've been finding ways for customers to bank their own way for more than 70 years.

Personal Banking

 

Checking Services

WOW Rate E-Checking

Citizens Bank's WOW Rate E-Checking Account is designed for customers who want to earn a BIG Interest Rate on their Checking Account and prefer to do their banking electronically.

Requirements:

  • Sign Up for E-Statements***
  • Have One Direct Deposit or ACH Payment Each Cycle***
  • Use Your Citizens Bank Check Card at least 10 Times Each Cycle***

Benefits:

  • Interest on Your Checking Account
    • A BIG Rate on Balances up to $25,000***
    • 0.50% on Balances over $25,000
    • 0.10% when conditions are not met
  • Free ATMs nationwide***
  • ScoreCard Points on SIGNED Check Card Transactions
  • No Monthly Fee or Minimum Balance Requirements
  • Unlimited Check Writing
  • Free Bill Pay
  • $200 Bounce Protection**
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Reward Interest Checking Accounts

At Citizens Bank our Reward Interest Checking Accounts are designed especially for customers who have more than one deposit account with Citizens Bank. Our Reward Interest Checking customers are entitled to our best tiered interest rates and an array of enhanced services.

Reward Interest Checking

  • No Monthly Fee when Maintaining $1,500 Minimum Daily Balance or $10,000 Combined Deposits ($12 monthly fee when balance requirement is not met)
  • Free Bank-By-Net Online Banking & Bill Pay
  • Unlimited Check Writing
  • Free Photo VISA® CHECKCard*
  • Free Select Designer Checks
  • No Citizens Bank Fee on Foreign ATM Transactions
  • Tiered Interest Rates
  • $700 Bounce Protection**

Added Benefits

  • $10,000 AD&D Insurance with $2,500 Dependent Coverage†
  • $20,000 Common Carrier Insurance†
  • Identity Watch with On-going Credit Monitoring
  • $5,000 Identity Theft Insurance†
  • Identity 911 with Credit-restoring Assistance
  • No-fee Travelers Checks, Money Orders and/or Cashiers Checks
  • Free Notary and Photocopy Service
  • Discount Prescription Card
  • Discounted Safe Deposit Box
  • Discount Emergency Roadside Assistance
  • Free Lifesteps Living Journal
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Reward 50 Interest Checking — For customers age 50+

  • No Monthly Fee when Maintaining $1,000 Minimum Daily Balance or $5,000 Combined Deposits ($10 monthly fee when balance requirement is not met)
  • Free Bank-By-Net Online Banking & Bill Pay
  • Unlimited Check Writing
  • Free Photo VISA® CHECKCard*
  • Free Select Designer Checks
  • No Citizens Bank Fee on Foreign ATM Transactions
  • Tiered Interest Rates
  • $200 Bounce Protection**

Added Benefits

  • $10,000 AD&D Insurance with $2,500 Dependent Coverage†
  • $20,000 Common Carrier Insurance†
  • Identity Watch with On-going Credit Monitoring
  • $5,000 Identity Theft Insurance†
  • Identity 911 with Credit-restoring Assistance
  • No-fee Travelers Checks, Money Orders and/or Cashiers Checks
  • Free Notary and Photocopy Service
  • Discount Prescription Card
  • Discounted Safe Deposit Box
  • Discount Emergency Roadside Assistance
  • Free Lifesteps Living Journal
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Value Checking

Added Benefits

  • $10,000 AD&D Insurance with $2,500 Dependent Coverage†
  • $20,000 Common Carrier Insurance†
  • Identity Watch with On-going Credit Monitoring
  • $5,000 Identity Theft Insurance†
  • Identity 911 with Credit-restoring Assistance
  • No-fee Travelers Checks, Money Orders and/or Cashiers Checks
  • Free Notary and Photocopy Service
  • Discount Prescription Card
  • Discounted Safe Deposit Box
  • Discount Emergency Roadside Assistance
  • Free Lifesteps Living Journal
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CB Free Checking

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Consumer Protection Pack

Protect your identity with the Consumer Protection Pack. This valuable package of benefits is free for Citizens Bank checking accounts ($4.95 on CB Free Checking Accounts).

  • Free Photo VISA® CHECKCard*
  • $10,000 AD&D Insurance with $2,500 Dependent Coverage†
  • $20,000 Common Carrier Insurance†
  • Identity Watch with On-going Credit Monitoring
  • $5,000 Identity Theft Insurance†
  • Identity 911 with Credit-restoring Assistance
  • Discount Emergency Roadside Assistance
  • Free Lifesteps Living Journal
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Savings And Investments

Citizens Preferred Money Fund

  • Tiered Interest Rate Levels
  • No Monthly Fee when maintaining a $2,500 Minimum Daily Balance ($15 Monthly Fee if Minimum Daily Balance Falls Below $2,500)
  • Six Withdrawals Allowed Per Month (three by check — $10 per withdrawal after six)†
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Certificates of Deposits

  • Flexible terms
  • Competitive rates
  • Low minimum deposits

Individual Retirement Accounts

  • Individual and spousal IRAs
  • Flexible terms
  • Traditional
  • Roth
  • Education
  • Money Market IRA
  • Minimum opening deposit — $100 and additional deposits for Regular or Roth IRAs
  • $25 minimum opening deposit for Education IRAs
  • Interest rate tiers based on balance
  • No set-up, maintenance or annual fee
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Regular Savings

  • Minimum opening deposit — $100
  • Interest compounded quarterly and paid quarterly
  • $10 quarterly fee if balance falls below $100
  • Six withdrawals allowed per quarter; if withdrawals exceed six, $1 per withdrawal†
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Citizens Investment Services

— a division of Citizens Bank

Securities are offered through

Whether you're already an astute investor or just starting to build a portfolio, the financial advisors of Citizens Investment Services, Inc. can help you map out your financial planning strategies.

Citizens Investment Services offers products through Raymond James Financial Services, Inc. member FINRA/SIPC, Inc., one of the nation's largest brokerage firms and a provider of investment services for community banks nationwide.

Products:

  • Stocks & Options
  • Annuities & Life Insurance – Fixed and Variable
  • Bonds
  • Mutual Funds
  • Unit Investment Trusts

Services:

  • Retirement Accounts
  • Financial Planning & Portfolio Development
  • Asset Management Services
  • Research provided by Standard & Poors, Value Line, Credit Suisse, Lehman Brothers and Raymond James
  • Life, Health and Long-term Care Insurance Services
  • Corporate & Public Finance

Contact a financial advisor in your area by emailing us at citizensinvestments@raymondjames.com or call us at:

Bristol 844 Volunteer Parkway (423) 989-4487
Johnson City 901 N. Roan Street (423) 928-8361
Kingsport 101 E. Main Street (423) 230-4321
Toll-free 1-800-826-8663  

Visit the Raymond James website — www.raymondjames.com/tri-cities.

INVESTMENT PRODUCTS ARE: ■ NOT A DEPOSIT ■ NOT FDIC INSURED ■ NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ■ NOT GUARANTEED BY THE BANK ■ SUBJECT TO RISK ■ MAY LOSE VALUE

Citizens Bank and Citizens Investment Services are independent of Raymond James.

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Consumer And Home Equity Loans

Personal Loans

You want a new car. You need money for your son's first semester at college. You want to take that three-week cruise for your 20th wedding anniversary. You're ready to buy that bass fishing boat.

No matter what you need – or want, Citizens Bank is the financing partner you can count on. We make secured and unsecured loans for just about anything including…

  • New and used autos
  • Boats
  • Recreational vehicles
  • College funding
  • Vacations
  • Ready Reserve Line of Credit for Overdraft Protection

Consumer Loan Officers

Call one of the experienced consumer lenders nearest you for financing options and rate information.

Elizabethton

Janie McKinney

Broad Street
300 Broad Street
(423) 547-2060

Kingsport

Becky Darnell

Allandale
901 University Blvd.
(423) 230-4385

Carol Vaughn

Colonial Heights
4125 Ft. Henry Drive
(423) 230-4352

Johnson City

Cindy Anderson

State of Franklin
3028 Peoples Street
(423) 610-3002

Bristol

Rick Fields

State Street
310 State Street
(423) 989-4400

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VISA® Cards

Citizens Bank issues a choice of VISA® credit cards that are accepted at thousands of locations throughout the world.

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Mortgage Loans

In the time it takes to say “Ready, Set, Close,” Citizens Bank can make your dream home a reality. Visit the Citizens Bank Mortgage Web Center for more information and to apply online.

  • Same-day approval
  • Extended rate guarantee
  • Conventional Loans
  • FHA, VA and THDA
  • Fixed or Adjustable
  • Construction Permanent
  • Lot Loans
  • Jumbo Loans
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Home Equity Lending

Home Equity Loans –The equity in your home can provide the money you need to make home improvements or pay for other purchases.

Home Equity Lines of Credit — With a revolving home equity line of credit from Citizens, you decide when to borrow, and based on your approved credit, how much.

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E-Banking

Bank your own way anytime, anywhere. With Citizens Bank E-Banking services you can bank via phone, online or at one of our 15 ATM locations throughout the Tri-Cities — 24 hours a day, seven days a week.

E-Banking

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VISA® CHECKcards*

It's the card that works like a check and an ATM card. Use your check card to make purchases wherever VISA® is accepted. The purchase amount is deducted directly from your checking account. Plus, you can use it at all Cirrus and Star networks – including Citizens' 15 ATM locations. CHECKCards are subject to approval.

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ATM Locations

Get cash when you need it at one of our 15 Tri-Cities area ATM locations. And remember you can also use your Citizens Bank ATM/CHECKCard at Cirrus and Star network ATMs worldwide.

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*Subject to approval

**Bounce Protection is a special overdraft privilege provided on all personal checking accounts in good standing. An insufficient funds fee of $29 will be charged for each item paid using Bounce Protection. This fee will be deducted from the Bounce Protection limit. Transactions that may be covered under the Bounce Protection program and cause a fee to be incurred include: overdrafts created by checks, in person withdrawals, ATM withdrawals, Check Card transactions, telephone or Internet transactions or other electronic means. You should make every attempt to bring your account into a positive balance within 15 days. If you are not able to do so, you will receive a letter from Citizens Bank informing you of the situation and your options. If after a period of time, your account has not been brought into a positive balance, we will have no option but to close your account and take other steps to recover funds. We reserve the right to return any item drawn on your account if sufficient funds are not available. Some reasons for the return of an item include, but are not limited to: we suspect the item to be fraudulent or used to perpetrate fraud or other illegal activity; your outstanding loans or other obligations with us are in default, past due, or otherwise delinquent; we have been notified that you have declared bankruptcy; the item is not endorsed properly; or your account has remained overdrawn for a period of more than fifteen days. Citizens Bank does not encourage overdrawing your account. SIGNIFICANT FEES MAY BE INCURRED.

*** APY = Annual Percentage Yield. Rates are variable and subject to change. To qualify for the WOW Rate E-Checking rate and to be reimbursed for non Citizens Bank ATM transactions, you must meet the following requirements each statement cycle: (1) Make 10 check card transactions per statement cycle. (2) Receive your monthly statement electronically. Free Bank-By-Net Online Banking required for E-Statement. (3) Have at least one monthly direct deposit or ACH each statement cycle. .50% APY will be paid on the portion of balances over $25,000. Account balances over $25,000 will earn a blended rate if all qualifications are met. If you do not meet the above requirements during your monthly statement cycle, you will earn .10% APY on your entire balance. Minimum balance to open is $100. No minimum monthly balance to maintain. At our discretion, we may change the qualification requirements and/or the balance tier on your account at any time. Member FDIC

†Withdrawals are limited by regulation. Continued excessive withdrawals may result in conversion of the account to a non-interest bearing account.