Remember–never give away your username/password/or out of band authentication information!
Currently there is a ring of fraudsters who use information gathered in places like the dark web to fool you into thinking the bank is calling you to tell you about fraud on your account.
They are using a phone number mask to make you think they are calling from our number at our home address in Mooresville.
While we make calls to customers to let them know about potential fraud, we do not need your username/password/or out of band authentication to help you. If changes need to be made to your account, we will ask you to do them, not do them for you. If you get one of these calls, hang up immediately and send a chat to us through our chat system or visit us at one of our area branches!
no | Community Checking | Relationship
Checking | Student Checking | Heritage Checking | Heroes Checking |
|---|---|---|---|---|---|
no Online Banking1 | Community Checking ✓ | Relationship
Checking ✓ | Student Checking ✓ | Heritage Checking ✓ | Heroes Checking ✓ |
no Bill Pay1 | Community Checking ✓ | Relationship
Checking ✓ | Student Checking ✓ | Heritage Checking ✓ | Heroes Checking ✓ |
no Mobile Banking1 | Community Checking ✓ | Relationship
Checking ✓ | Student Checking ✓ | Heritage Checking ✓ | Heroes Checking ✓ |
no Monthly Service Charge | Community Checking $6 | Relationship
Checking $10 | Student Checking None | Heritage Checking None | Heroes Checking None |
no Minimum Balance to open Account | Community Checking None | Relationship
Checking $50.00
| Student Checking None | Heritage Checking None | Heroes Checking None |
no Account Qualifications | Community Checking None | Relationship
Checking None | Student Checking If at opening the primary owner is under the age of 18 a parent or guardian will need to be listed as a joint owner. This account is required to be enrolled in E-Statements. | Heritage Checking At least one owner must be at least 50 years of age. | Heroes Checking At least one owner must be a member of the Military, either in Active Duty, Retired or Reservist. Active and retired members of Police and Fire departments as well as other individuals who may be called “First Responders” also qualify. Both paid and volunteer members of these departments qualify. |
no Service Charge Waivers | Community Checking Service Charge reduced $0.25 for each debit swipe, capped at $6 per month. | Relationship
Checking A minimum balance fee (service charge) of $10.00 will be imposed every statement cycle if the balance falls below $5,000 any day of the cycle. | Student Checking None | Heritage Checking None | Heroes Checking None |
no Free Incoming Wire Transfers | Community Checking ✓ | Relationship
Checking ✓ | Student Checking ✓ | Heritage Checking ✓ | Heroes Checking ✓ |
no Mortgage Closing Discount | Community Checking $200 to qualified mortgage applicants at closing | Relationship
Checking $200 to qualified mortgage applicants at closing | Student Checking $200 to qualified mortgage applicants at closing | Heritage Checking $200 to qualified mortgage applicants at closing | Heroes Checking $200 to qualified mortgage applicants at closing |
no Loan Auto-Debit Discount2 | Community Checking 0.25% annual percentage rate | Relationship
Checking 0.25% annual percentage rate | Student Checking 0.25% annual percentage rate | Heritage Checking 0.25% annual percentage rate | Heroes Checking 0.25% annual percentage rate |
no First (2) NSF/OD Fees Refunded3 | Community Checking ✓ | Relationship
Checking ✓ | Student Checking None | Heritage Checking ✓ | Heroes Checking ✓ |
Everybody makes mistakes. That’s why we offer our CheckProtect service. Once enrolled, your checks may be covered (up to a total of $500. Includes bank/NSF fees) in the event that funds aren’t currently available in your account.
To apply for CheckProtect, please see your local branch.
Overdraft protection is available if your checking account is eligible and the following qualifications are met:
*Overdraft fees of $35.00 per overdraft may be imposed for any overdraft created by checks, in-person withdrawals, or by electronic means, as applicable.
close up programmer man hand show virtual reality interface locked for protection data in office operation room for cyber security and digital authentication concept
We’re proud to offer a complete lineup of savings accounts, CDs, health savings accounts, and IRAs. And of course, plenty of old-fashioned customer service.
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A woman on her laptop and she is smiling and waving to the laptop camera
At Citizens Bank, we’re committed to keeping our local community informed. That’s why we’re ramping up our service to our community to include weekly blog posts educating readers on their finances. We’ll provide posts on important topics- from your personal finances, to your business, and everything in between. We’ve been putting our customers and our […]
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A study by the University of Cambridge found that money habits in children are formed by the time they’re 7 years old. Which means teaching them the value of money as well as healthy habits around it has to start young. You still let kids be kids while instilling those healthy habits in fun and […]
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Many people have multiple bank accounts, with each account serving a different purpose. In fact, did you know the typical U.S. consumer maintains 5.3 different bank accounts? In general, checking accounts are for frequent transactions, whereas savings accounts are to put money away. Then you have all different types of loans, from home mortgages to […]
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