Checking

At every stage of your life we have a Personal Checking Account to match your needs. Choose an account with the features that fits your needs.

 
Compare Our Checking Options
AccountsBasicRegularSenior CitizenStudentNOW

Minimum Balance

No Minimum Balance

Daily Minimum Balance of $200.00 or $2000.00 in deposits per statement cycle.

No Minimum Balance

No Minimum Balance

A minimum daily balance of $500.00 or $5,000.00 or more in total combined Citizens Bank & Trust Co. deposits.

Maintenance Charge

No Maintenance Fees

A fee of $3.00 and $.20 per check is charged if you do not meet the Minimum Balance during your statement cycle.

No Maintenance Fees

No Maintenance Fees

A fee of $6.00 plus $.25 per check is charged if you do not meet Minimum Balance during your statement cycle.

Unlimited Deposits

Yes

Yes 

Yes 

Yes 

Yes 

Additional Terms

 The following additional terms apply to this account: Check safekeeping is required (cancelled checks are not returned).

N/A 

 The following additional terms apply to this account: For persons age 60 and over.

 The following additional terms apply to this account: This account will automatically transfer to Regular Checking on customer's 22nd birthday. (See Regular Checking for terms)

  Please call (406) 932-5311 to obtain current rate information. The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account.1

1 Compounding frequency - Interest will be compounded monthly.
Crediting frequency - Interest will be credited into this account monthly.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.
Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

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