Innovative technology & personalized service

We’re here to help you build the life of your dreams. 

At Citizens Bank & Trust, we know that the need for big bank convenience can sometimes outweigh the trust you’ve built at your community bank—but it doesn’t have to.

As your financial partner, we’re dedicated to cultivating strong relationships and helping you achieve your financial goals. We’re offering flexible account options and comprehensive online banking tools that will make building your dreams easier than ever before.

One checking account. One step closer to financial success. 

Checking Accounts Created for You

Regular Checking

Your no-hassle, just-the-basics account

  • $100 minimum opening balance
  • $8 service fee if minimum daily balance falls below $500
  • Unlimited check writing
  • Online and Mobile Banking and Bill Pay
  • Unlimited Citizens Bank & Trust and Lineage Bank ATM access
  • Direct Deposit available
  • Overdraft protection options: customer’s own Line of Credit or transfers from other account
  • Non Interest-bearing account

Interest Checking

A flexible account that meets your needs

  • $2,000 minimum opening balance
  • $12 service fee if minimum daily balance falls below $2,000
  • Unlimited check writing
  • Direct Deposit available
  • Tiered interest paid on daily collected balances
  • Unlimited Citizens Bank & Trust and Lineage Bank ATM transactions
  • Online and Mobile Banking and Bill Pay
  • Overdraft protection options: customer’s own Line of Credit or transfers from other account

Club Checking

Everything the Interest Checking account offers and more

  • Unlimited check writing
  • Free bank stock checks
  • Direct Deposit available
  • Tiered interest paid on daily collected balances 
  • Unlimited Citizens Bank & Trust and Lineage Bank ATM transactions
  • Online and Mobile Banking and Bill Pay
  • Overdraft protection options: customer’s own Line of Credit or  transfers from other account

Savings Accounts Designed
with Your Future in Mind

Regular Savings Account

  •  Monthly service fee of $5.00 if minimum daily balance falls below $100
  • $100 minimum to open account
  • Competitive interest rates, paid quarterly
  • E-Statements available upon request
  • Direct Deposit available

Money Market

  • Competitive,  tiered interest rates, paid monthly
  • Minimum opening balance of $5,000
  • $15 service fee if minimum daily balance falls below $5,000
  • E-statements available upon request
  • Direct Deposit available

Christmas Club Savings

  • Citizens Bank and Trust checking account required
  • Interest paid annually
  • Electronic deposits from your checking account
  • Electronic transfer in October from Christmas Club to your regular checking
  • Competitive interest rate on entire daily collected balance
  • No monthly service fee
  • Easily save money for Christmas shopping
  • Account must be closed to withdraw. $15 Early closing fee will be assessed.

Certificates of Deposit

  • All Citizens Bank and Trust CDs require a minimum of $500 to open
  • Multiple terms offered between 30-Days to 60-Months can have interest transferred to checking account or paid to CD

Individual Retirement Accounts

  • Lineage Bank’s IRA products are Certificates of Deposit (CDs)
  • All Lineage Bank CDs require a minimum of $500 to open
  • Only Traditional or Roth Plans
  • Lineage Bank will open Inherited IRAs, but only if the original IRA holder’s retirement account was housed at Lineage Bank

*Under Federal Regulation, transfers or withdrawals from a savings deposit or Money Market account by check, debit card or similar order payable to third parties are limited to six per month. If this limitation is exceeded on a regular basis, we are required to convert your account to another account that permits unlimited transactions. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution. Rates are variable and may change after account opening.

Modern Banking Technology, Accessible Anywhere

Our mobile app lets you

  • Quickly review your balance
    and account details
  • Pay bills

  • Deposit checks

  • View locations of Lineage Financial
    Network branches and ATMs

Quick Links

Reorder Checks

For a lost or stolen card,
please call 800-500-1044