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Service Charges & Requirements

Money Organizer provides overdraft protection on your Bills account from your Spend and Save accounts and allows you to move money by either setting up automatic transfers or transferring money as you need. This gives you better control over your day-to-day money management or one-time transfers of funds, based upon your needs. To participate in Money Organizer, the following fees and specifications are required:

Service Charges:

  • $3.00 per month
  • Fee waived for Citizens Circle Gold Banking® customers
  • The monthly maintenance fee for one Green Checking Account (or Personal Checking with Interest account) will be waived if the account is linked to a Money Organizer plan.


  • 3 accounts - 2 checking and 1 saving accounts are required
  • Enrollment in Online Banking
  • Setup of recurring automatic transfers (optional, but recommended)
  • Create alerts for transfer and low balances (optional, but recommended)