Checking

All checking accounts include a variety of services that provide access to your funds and your account information. Choose any or all of the following services: Debit card with ATM access®, Free Online Banking, Mobile Banking, Mobile Deposit, Bill Pay, Person to Person Payments, Bank to Bank Transfers, and e-Statements.

Compare Accounts	Make My Life Easy Checking	Easy Interest Checking	WooHoo! Checking	WooHoo! Simple
Minimum balance requirement	N/A	$1,000	N/A	N/A
Interest	N/A	See Rates	See Rates	N/A
Highlights	No minimum balance Overdraft protection available	Interest bearing Overdraft protection available	ATM fee refunds No minimum balance to earn rewards No monthly fees	Earn $0.10 per debit card purchase with your Citizens Debit Card, with a maximum earning of $10.00 per qualification cycle. No minimum balance.
Qualifications	N/A	N/A	At least 15 debit card purchases post & settle per qualification cycle At least 1 direct deposit or ACH auto debit Enroll & receive monthly e-Statements	At least 15 debit card purchases post & settle per qualification cycle Enroll & receive monthly e-Statements
More Info	More on Make My Life Easy Checking	More on Easy Interest Checking	More on WooHoo! Checking	More on WooHoo! Simple

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Need checks? Click HERE to re-order!

We also have a convenient way to re-order checks within online and mobile banking. Watch the video below for step by step instructions on just how to do that!

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More information:

* No minimum balance
* Unlimited check writing
* Online Bill Payment
* Free ATM/Debit Card
* Free Online Banking
* Free e-Statements
* Free Citizens-On-Call Telephone Banking
* Printed monthly statement, $2 per statement
* Overdraft protection available

More information:

• Interest bearing
• Unlimited check writing
• Online Bill Payment
• Free ATM/Debit Card
• Free Online Banking
• Free e-Statements
• Free Citizens-On-Call Telephone Banking
• Printed monthly statement, $2 per statement
• Overdraft protection available

$1000.00 minimum to open. If you choose to go below the low ledger balance of $1000.00 any day of the cycle, a $6.00 processing fee will be assessed. You must maintain a minimum average collected balance of $1000.00 to obtain the disclosed annual percentage yield. Interest is paid on the average collected balance computation method.

More information:

3.04% Annual Percentage Yield (APY) - 3.00% interest rate - paid on balances between one penny and $14,999.99, and 3.04% - 0.05% APY paid on all amounts $15,000 and above each qualification cycle the minimum requirements are met and receive ATM fee refunds up to $25 nationwide for that time period. If you do not meet the requirements per qualification cycle, which is the same as your statement cycle, your account will function as a checking account earning 0.025% APY; however, it will not receive ATM refunds up to $25 for that time period. Debit card purchases only post and settle on business days. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Citizens Bank Minnesota as ATM transactions, non-retail payment transactions and purchases made with non-Citizens Bank Minnesota debit cards. Rates as of 6-2-23. We may change the interest rate & APY on your account weekly. No minimum balance required. Fees may reduce earnings. We use the average collected balance method to calculate the interest on your account and interest will be compounded and credited every month. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items, (for example, checks.) Available to personal accounts only. No monthly service charge. ATM refunds up to $25 per cycle if requirements are met.

More information:

The monthly requirements (per qualification cycle which is the same as your statement cycle) that must be met in order for you to receive the reward of $0.10 per debit card purchase transaction up to a maximum of $10.00 per statement per month deposited into your account: must be enrolled and receive a monthly e-statement via online banking and must have at least 15 debit card purchases post and settle per qualification cycle. If these requirements are not met, you will not receive the reward of $0.10 per debit card purchase transaction up to a maximum of $10.00 per statement per month deposited into your account for that qualification cycle. Debit card purchases only post and settle on business days. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Citizens Bank Minnesota as ATM transactions, non-retail payment transactions and purchases made with non-Citizens Bank Minnesota issued debit cards. No minimum balance required to open the account or earn rewards. Rewards are variable and may change after account is opened. Available for personal accounts only. Fees may reduce earnings.