Have savings goals? We
can help you reach them.

This fee can be waived by maintaining a #P100_MINIMUM_BALANCE_TO_WAIVE_FEE# minimum daily balance in the account.

This fee is waived for customers who are under 18 years old, or 65 years old and older. The fee can also be waived by maintaining a minimum daily balance of $500.

This fee can be waived by maintaining a $300 minimum daily balance in the account or $25 automatic savings plan.

This fee can be waived by maintaining a #P170_MINIMUM_BALANCE_TO_WAIVE_FEE# minimum daily balance in the account.

This fee can be waived by maintaining a $5,000 minimum daily balance in the account.

$1,000 for all CD terms.

---

$10,000 for Circle Gold promotional minimum.

If opened before the child’s 6th birthday, a minimum opening balance of $25 is required.

---

If opened on the child’s 6th birthday and before the 12th birthday, a minimum opening balance of $500 is required.

All Citizens Bank savings accounts include the following features:

• A network of over 1,400 branches and 3,600 ATMs.
• ATM card.
• Many with minimum opening balances as low as $.01.
• Online banking.
• Steady Save automatic transfers from your checking account.
• Peace of mind with FDIC insurance.
• Use GoalTrack Savings^SM to create a plan, track your progress and get rewarded when you reach your goal.

All Citizens Bank money market accounts include the following features:

• Consistently competitive yields.
• Write up to 3 checks per month.
• Steady Save automatic transfers from your checking account.
• Peace of mind with FDIC insurance.

All Citizens Bank Certificates of Deposit include the following features:

• Consistently competitive yields.
• Open with as little as $1,000, $250 for IRA CDs.
• No monthly maintenance fees.
• Peace of mind with FDIC insurance.

This fee can be waived by maintaining a #P160_MINIMUM_BALANCE_TO_WAIVE_FEE# minimum daily balance in the account.

This fee can be waived by maintaining a $2,500 minimum daily balance in the account.