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Personal Savings & Money Market Accounts

Account

Savings

Kid$ Count
(17 years or younger)

Money Market

Premium Money Market

MyCash Money Market

Market Area Residence Required** No No No No Yes

Minimum Opening Balance

$200

$25

$2,500

$25,000

$50

APY*

0.25%

0.25%

0.25%

$249,999.99 and Below 0.35%
$250,000 - $499,999.99 0.45%
$500,000 and Above 0.81%
.01 - $19.999.99 .50%
$20,000.00 - $49,999.99  1.45%
$50,000.00 - $99,999.99   1.70%
$100,000.00 – and above 2.00%

Minimum Balance to Receive APY*

If balance is less than $200, no interest is earned on the account

None

If balance is less than $2,500; no interest is earned on the account

If balance is less than $25,000; no interest is earned on the account

None

Minimum Daily Balance

$200

None

$2,500

$25,000

None

Minimum Balance Fee

$3.00

None

$10.00

$20.00

None

Online Banking

Free

Free

Free

Free

Free

Statements

eStatement or Paper Statement

eStatement Required

eStatement or Paper Statement

Free eStatement or Paper Statement

eStatements Required

Transaction Limits

No third party transactions are allowed. Two withdraws per month are allowed, after that a $2.00 fee will be charged for each withdraw

No third party transactions are allowed. Two withdraws per month are allowed, after that a $2.00 fee will be charged for each withdraw

$5.00 for each withdraw in excess of six in each monthly statement cycle. Transfers to another account or to third parties by preauthorized, automatic, electronic, or telephone transfers are limited to six per statement cycle.

$5.00 for each withdraw in excess of six in each monthly statement cycle. Transfers to another account or to third parties by preauthorized, automatic, electronic, or telephone transfers are limited to six per statement cycle.

$5.00 for each withdraw in excess of six in each monthly statement cycle. Transfers to another account or to third parties by preauthorized, automatic, electronic, or telephone transfers are limited to six per statement cycle.

Account Benefits

 

Free Auto Transfer from Linked Custodians account

 

 

 

Available Account Features

(Additional Fees May Apply)

Pay it Forward

Auto Transfer from linked Account

Mobile Deposit Capture

Personal Financial Manager

Pay it Forward

Mobile Deposit Capture

Personal Financial Manager

Pay it Forward

Auto Transfer from linked Account

Mobile Deposit Capture

Personal Financial Manager

Pay it Forward

Auto Transfer from linked Account

Mobile Deposit Capture

Personal Financial Manager

Pay it Forward

Auto Transfer from linked Account

Mobile Deposit Capture

Personal Financial Manager

*APY (Annual Percentage Yield), Your interest rate and APY may change daily at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks). We compound interest monthly and credit interest earned quarterly for Savings and Kid$ Count and monthly for Money Market and Premium Money Market at the end of each statement cycle. We use the daily balance method to calculate the interest on your account. This method applies as daily periodic rate to the principal in the account each day. If fees are incurred on the account, they could reduce earnings.
**Market Area Residence Required - The account owners must reside in the Market Area of Citizens State Bank. The Market Area of Citizens State Bank is defined as Smith County, Henderson County and counties that border Smith or Henderson County.


IMPORTANT INFORMATION

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all Financial Institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


Citizens State Bank will require a valid picture Texas Driver's license and your social security card prior to opening any account.