blue texture fading into check, debit card and phone
Open a Checking Account online in minutes – it’s simple and secure. Current Digital Banking users can easily add a new account by logging in and choosing the “+”.
Checking with a comprehensive IDProtect service®, cellular telephone protection, stealth type™ anti-keylogging tool, insurance benefits, buyer’s protection & extended warranty coverage, travel & leisure discounts, free notary service, free domestic wires, free stop payments and much more!
IDProtect® – identity theft monitoring and resolution service for you, your joint account owners, and eligible family members4
| SECURITY ADVANTAGE Benefits | no |
|---|---|
| Free Wallet Specialty Non-Duplicated Checks | One box limit per order; 50% discount on other styles |
| Free 2X5 Safe Deposit Box Rental | Subject to availability; Free first year rental; 50% discount thereafter with auto debit payment; credit issued for next size if no small box is available |
| Free Fax Transmittals | Limit to 3 per year, up to 4 pages; International faxes excluded |
| Free Stop Payments | Limit of one per 6 months |
| Free Cashiers Checks | Limit of 3 per month |
| Free Domestic Wires | Limit of 2 per year |
| .25% Consumer Loan Rate Discount | Limit of 1 active consumer loan at a time, may not be combined with any other discount, and only valid on loans originated in person at a Citizens branch office. |
| Accidental Death & Dismemberment Insurance 5,7 | Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.) |
| Debit Advantage® - Buyer's Protection And Extended Warranty 5 | Item(s) must be purchased entirely with this account for coverage. |
| Travel & Leisure Membership | Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Digital access makes saving super easy and convenient, giving instant savings anywhere, anytime. [Registration and enrollment is required] |
| Up To $10,000 Up to $10,000 Identity Theft Expense Reimbursement Coverage 5 | To cover expenses associated with restoring your identity. |
| Fully Managed Identity Theft Resolution Services | Access to a dedicated fraud specialist assigned to manage your case who will work with you until your identity is restored |
| Identity Theft Recovery Case Plan | To inform you of the recovery process |
| Credit File Monitoring6 | Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports. [Registration/activation required] |
| Total Identity Monitoring | Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. [Registration/activation may be required] |
| 3-In-1 Credit Report | Request a new 3-in-1 report every 90 days or upon receipt of a credit alert. [Registration/activation required] |
| Credit Score | Receive a new single bureau credit score with every new credit report. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. [Registration/activation required] |
| Debit & Credit Card Registration | Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. [Registration/activation required] |
| Online Identity Theft News Center | Valuable phone and web resources [Registration/activation required] |
| IDProtect® Stealthtypetm Anti-Keylogging Tool | Downloadable software that helps to provide a safe and secure browsing environment while isolating online activity from crimeware. [Registration/activation required] |
| Cellular Telephone Protection 5 | Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid through this account.) |
Once you are enrolled and registered, accessing your benefits will be easy via the mobile app or online!
1FREE VISA® Debit Card – Higher limits on VISA® debit cards may require a credit check.
2E-STATEMENTS – A $2 paper statement fee will apply if you do not elect e-Statements.
3FREE 24/7 ACCESS TO MOBILE BANKING – Message and data rates may apply.
4 IDProtect ® – IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
5 SPECIAL PROGRAM NOTES -The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.
6 CREDIT FILE MONITORING – May take several days to begin following activation.
7AD&D BENEFICIARY – If you wish to name a beneficiary, please complete a beneficiary form. Otherwise, if there is no designated beneficiary on file, benefits will be paid according to the Master Policy. For questions regarding claims or your coverage, call 1.866.210.0361. Please keep a copy of this letter with your important insurance papers.
Insurance Products are not insured by FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.
Checking with buyer’s protection & extended warranty coverage, insurance benefits, travel & leisure discounts, free notary service, free domestic wires, free stop payments and much more!
| ADVANTAGE BENEFITS | no |
|---|---|
| Free Wallet Specialty Non-Duplicated Checks | One box limit per order; 50% discount on other styles |
| Free 2X5 Safe Deposit Box Rental | Subject to availability; Free first year rental; 50% discount thereafter with auto debit payment; credit issued for next size if no small box is available |
| Free Fax Transmittals | Limit to 3 per year, up to 4 pages; International faxes excluded |
| Free Stop Payments | Limit of one per 6 months |
| Free Cashiers Checks | Limit of 3 per month |
| Free Domestic Wires | Limit of 2 per year |
| .25% Consumer Loan Rate Discount | Limit of 1 active consumer loan at a time, may not be combined with any other discount, and only valid on loans originated in person at a Citizens branch office. |
| Accidental Death & Dismemberment Insurance 3,4 | Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.) |
| Debit Advantage® - Buyer's Protection And Extended Warranty 3 | Item(s) must be purchased entirely with this account for coverage. |
| Travel & Leisure Membership | Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Digital access makes saving super easy and convenient, giving instant savings anywhere, anytime. [Registration and enrollment is required] |
Once you are enrolled and registered, accessing your benefits will be easy via the mobile app or online!
1 VISA® Debit Card – Higher limits on VISA® debit cards may require a credit check.
2 MOBILE BANKING – Message and data rates may apply.
3 SPECIAL PROGRAM NOTES -The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.
4AD&D BENEFICIARY – If you wish to name a beneficiary, please complete a beneficiary form. Otherwise, if there is no designated beneficiary on file, benefits will be paid according to the Master Policy. For questions regarding claims or your coverage, call 1.866.210.0361. Please keep a copy of this letter with your important insurance papers.
Insurance Products are not insured by FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.
Checking with a comprehensive IDProtect service®, cellular telephone protection, stealth type™ anti-keylogging tool, and free notary service.
Security Checking offers comprehensive identity theft protection. Get protected against a fast growing crime!
Monthly Fee $5
| IDProtect® Package | no |
|---|---|
| Up To $10,000 Identity Theft Expense Reimbursement Coverage5 | To cover expenses associated with restoring your identity. |
| Fully Managed Identity Theft Resolution Services | Access to a dedicated fraud specialist assigned to manage your case who will work with you until your identity is restored |
| Identity Theft Recovery Case Plan | To inform you of the recovery process |
| Credit File Monitoring6 | Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports. [Registration/activation required] |
| Total Identity Monitoring | Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. [Registration/activation may be required] |
| 3-In-1 Credit Report | Request a new 3-in-1 report every 90 days or upon receipt of a credit alert. [Registration/activation required] |
| Credit Score | Receive a new single bureau credit score with every new credit report. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. [Registration/activation required] |
| Debit & Credit Card Registration | Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. [Registration/activation required] |
| Online Identity Theft News Center | Valuable phone and web resources [Registration/activation required] |
| IDProtect® Stealthtypetm Anti-Keylogging Tool | Downloadable software that helps to provide a safe and secure browsing environment while isolating online activity from crimeware. [Registration/activation required] |
| Cellular Telephone Protection5 | Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid through this account.) |
Once you are enrolled and registered, accessing your benefits will be easy via the mobile app or online!
1 FREE VISA® Debit Card – Higher limits on VISA® debit cards may require a credit check.
2 E-STATEMENTS – A $2 paper statement fee will apply if you do not elect e-Statements.
3 FREE 24/7 ACCESS TO MOBILE BANKING – Message and data rates may apply.
4 IDProtect ® – IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
5 SPECIAL PROGRAM NOTES -The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.
6 CREDIT FILE MONITORING – May take several days to begin following activation.
Insurance Products are not insured by FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.
Checking with unlimited check writing, e-statements, and digital banking.
Free checking offers all the benefits of managing your money securely and without monthly fees.
*A $2 per month fee is charged for paper statements.
**Message and data rates may apply
Checking with a minimum balance that pays interest and may be opened by individuals, non-profit organizations and sole proprietorships.
This is an account that pays interest and may be opened by individuals, non-profit organizations and sole proprietorships.
**Message and data rates may apply
Checking with limited monthly withdrawals that pays interest and may be opened by individuals, non-profit organizations, sole proprietorships and businesses.
Our Money Market account pays interest on your checking account and may be opened by individuals, non-profit organizations, sole proprietorships and businesses.
**Message and data rates may apply
Get paid up to two days early when you have an eligible direct deposit to a Citizens Bank checking account!
Early Access Direct Deposit is available with any Citizens Bank checking account that receives eligible direct deposits. There is no enrollment requirement and no fees. This service helps you access your hard-earned money sooner.
Early access to direct deposit funds is subject to type and timing of payor’s payment instruction. Early access to direct deposit may vary and is not guaranteed.
Early Access Direct Deposit is available with your checking account. This service credits your eligible direct deposit transaction up to two business days early. If you already have direct deposit, you automatically have access to this service. If you don’t have direct deposit, you must set up direct deposit to your account through your employer or payor.
The timing of when these transactions will be credited depends on when the payor submits the information to us. This means the timing of these transactions may vary, and you may not receive your funds early.
Contact your employer or payor to arrange direct deposit. You will need to provide your account number and the bank’s routing number (051501150).
Yes, early access direct deposit is automatically available on any Citizens Bank checking account.
Eligible transactions are certain ACH credit transactions, such as payroll, tax refunds, government benefits, military pay and pensions. We rely on ACH transaction coding sent to us by the payor to determine if the transaction is eligible for early direct deposit.
There’s no additional cost for Early Access Direct Deposit.
You can set up an alert in Digital Banking to notify you when you receive a direct deposit.
To set up a new alert, log in to your digital banking account and follow these steps: Digital Banking Menu > Documents & Settings > Manage Alerts > Add (+) symbol > Custom > Choose your direct deposit account > Alert Type: Deposit > Complete the form and select “Create”.
Courtesy Coverage™ is an extended service to you, our valued customer, which may help you avoid the embarrassment of returned items and the inconvenience of merchant fees. If an item is received at the bank where insufficient funds exist to pay that item, we are under no obligation to pay that item. However, in an effort to provide excellent service and because we appreciate your business, at our discretion, we will strive to pay checks and other items when possible up to a $100* deficit balance for accounts in good standing.
We hope this program helps you understand how we make overdraft decisions. When you make an honest mistake balancing the checkbook or a deposit you expected was delayed, know that Citizens Bank’s commitment to a gold standard of service means that we will try to pay your items even when insufficient funds exist up to $100*.
It is automatic if you overdraw your account by check. However, if you want Citizens Bank to cover your debit ATM transactions and debit card purchases, you must authorize an opt-in. You may elect to opt-in to our institution’s payment of overdrafts at ATMs and everyday debit card transactions by calling us at 304.636.4095 or completing a consent form at any Citizens location.
We will mail you a letter to notify you immediately any time your account is overdrawn. If you use an ATM, internet banking, or bank-by-phone, you can see your current account balance which does not include any overdraft limit. If your account balance stays positive you will not be overdrawn and will not incur NSF fees.
If items arrive on your account when insufficient funds exist, we may pay the items up to $100* as part of our service policy. In most instances, any checks written which exceed that amount will be returned. If you have special circumstances please call us. We want to serve you.
There is no fee for enrollment in this service. Your account will be charged our standard overdraft fee of $33 for each item that overdraws your account. Remember that this fee is per item. An additional charge of $33 is assessed if your account is overdrawn ten days or more. For example, if you have two overdrawn items your overdraft fees would total $66; if your account remains in overdraft status for ten days or more, your fees would total $99.
A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
If you do not want Courtesy Coverage™ on your checking account we will gladly remove this feature. Keep in mind that there are no additional fees for having Courtesy Coverage™; the only difference is our normal response if you happen to overdraw your account. To have the Courtesy Coverage™ feature removed please contact your local branch to opt out of the program. Additionally, you may revoke your election to opt-in to our institution’s payment of overdrafts at ATMs and everyday debit card transactions at any time by calling us at 304.636.4095 or completing a consent form at any Citizens location.
Our expectation is that you will quickly deposit funds to cover any overdrafts. Our program states that if you do not deposit funds to cover your overdraft in 10 days we will send you additional letters and contact you to discuss any problems you may have. If you go 30 continuous days with a negative balance we will suspend your Courtesy Coverage™ service until your account is in good standing. We may also elect to close your account.
No. Our Courtesy Coverage™ service is automatically added to all our checking accounts which meet our requirements and are in good standing. However, in order to authorize Citizens Bank to pay overdrafts at ATMs and everyday debit card transactions, you must complete an opt-in consent form or call us at 304.636.4095.
*Courtesy Coverage™ covers up to $100 in overdrafts on your new account. After 90 days, for accounts in good standing this limit may increase to $600. We will notify you in writing at the time of the change.
Courtesy Coverage™ Program
Citizens Bank of West Virginia is committed to providing excellent service. Therefore, the Bank, in its sole and absolute discretion, may elect to pay a Non-Sufficient Funds (an NSF) item drawn on your checking account if that account has been open for at least 60 days and the Bank considers you and your account to be in good standing. Good standing may include any or all of the following criteria:
You make regular deposits to your checking account in amounts generally sufficient to pay your checks or other items on a consistent basis;
You are not in default on any loan or obligation that you owe to the Bank;
Your account is not subject to any legal or administrative order of levy;
Your checking account will not be overdrawn by more than $600 plus applicable fees after the Bank pays the NSF item and all applicable fees including, without limitation, non-sufficient fund/overdraft fees, as set forth in the Bank’s fee schedule(s) and Deposit Services Agreement.
Courtesy Coverage is not an overdraft line of credit. Citizens Bank is not obligated to pay any check, preauthorized payment order, or other item drawn on your account if your account does not contain sufficient funds when the item (“NSF Item”) is presented for payment. Courtesy Coverage will apply only if Citizens Bank elects to pay your NSF Item rather than to return it unpaid. If Citizens Bank elects to pay an NSF Item, you agree to pay the Bank the amount of your overdraft, plus all applicable fees, immediately without further notice or demand. Citizens Bank’s election to pay an NSF Item does not obligate the Bank to pay any other NSF Item. The Bank is not obligated to provide prior written notice of its decision to pay or not to pay an NSF Item.
Citizens Bank’s Courtesy Coverage program is non-contractual and can be changed or withdrawn at any time without notice, including but not limited to when, in Citizens Bank’s assessment, a customer is using Courtesy Coverage in either a fiscally irresponsible manner or in lieu of obtaining an appropriate credit device. You and each Authorized Signer on your account will be liable for each NSF Item paid by the Bank as provided in your Deposit Agreement. Citizens Bank may (without prior notice and when permitted by applicable law) set off the funds in your account against any due and payable debt you owe the Bank now or in the future. In the case of a joint account, each joint depositor agrees that the Bank may use the money in the account to satisfy any of his or her individual or joint obligations. Credit agencies may be notified if overdrafts are not cured promptly. It is the policy of Citizens Bank to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards. Your Deposit Account Terms and Conditions controls the duties, obligations and rights of the Depositor, the Authorized Signatories and Citizens Bank with regard to your deposit accounts. Your Deposit Account Terms and Conditions are incorporated herein for all purposes as if it were set forth verbatim, and its terms shall control any possible conflict between any provisions of this Courtesy Coverage Program and the Deposit Account Terms and Conditions.
