Citizens~Union gives you a variety of checking accounts from which to choose. Whether you're looking for an account that pays interest or an account with no check fees, Citizens-Union has an account that is right for you.

And all Citizens~Union checking accounts come with an ATM card to access your account from any Citizens~Union Savings Bank ATM machine as well as thousands of NYCE, PLUS SYSTEM and EXCHANGE NETWORK ATMs nationwide and around the world.


Preferred NOW Checking 

Maintain an average daily balance of $5,000 in any combination of your checking, savings, money market, certificate of deposit, or Individual Retirement Accounts (IRA) at Citizens~Union Savings Bank (excluding those accounts which are prohibited by law), and receive: 

• Free checking -  no monthly service charge,  no per-check charge, unlimited check writing and free check printing (selected styles)
• Preferred CD rates
• Use of  ATMs worldwide with no Citizens~Union Savings Bank fees for transactions
• Free Online Banking and unlimited free Bill Payment
• Discounted Loan Rates 
• Free Travelers checks
• Free Telephone Banking
• Free Checkcard

If the $5,000 average daily balance is not maintained, a low balance fee will be assessed.

NOW Checking

This account earns interest as long as a daily balance of $500 is kept in the account.  Interest is compounded and paid monthly. The minimum balance to open the account is $10.

You can write as many checks as you wish per month with no per check charge - just one monthly service charge.  If you choose direct deposit, you will receive a 50% discount on your monthly service charge as well as any transaction fees for using non-Citizens~Union ATM's (excluding surcharges).  You also receive a free Checkcard, free Online Banking with Bill payment and Free Telephone Banking 

Direct Checking