Citizens Bank understands you have your own unique tastes... and your own way of doing things. As the Tri-Cities leading community bank, we've been finding ways for customers to bank their own way for more than 75 years.

Personal Banking

 

Checking Services

WOW Rate E-Checking

Citizens Bank's WOW Rate E-Checking Account is designed for customers who want to earn a BIG Interest Rate on their Checking Account and prefer to do their banking electronically.

Do This:

  • Sign Up for E-Statements***
  • Have One Direct Deposit or ACH Payment Each Cycle***
  • Use Your Citizens Bank Check Card at least 10 Times Each Cycle***

Get This:

  • A BIG Rate on Balances up to $25,000***
  • Free ATMs nationwide***
  • ScoreCard Points on SIGNED Check Card Transactions
  • No Monthly Fee or Minimum Balance Requirements
  • Unlimited Check Writing
  • Free Bill Pay
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Reward Interest Checking Accounts

At Citizens Bank our Reward Interest Checking Accounts are designed especially for customers who have more than one deposit account with Citizens Bank. Our Reward Interest Checking customers are entitled to our best tiered interest rates and an array of enhanced services.

Reward Interest Checking

  • No Monthly Fee when Maintaining $1,500 Minimum Daily Balance or $2,500 Average Daily Collected Balance or $10,000 Combined Deposits ($12 monthly fee when balance requirement is not met)
  • Bank-By-Net Online Banking & Bill Pay
  • Unlimited Check Writing
  • Free VISA® CHECKCard*
  • Free Select Designer Checks
  • No Citizens Bank Fee on Foreign ATM Transactions
  • Tiered Interest Rates
  • Benefits Package

Added Benefits

  • $10,000 AD&D Insurance with $2,500 Dependent Coverage†
  • $20,000 Common Carrier Insurance†
  • Identity IQ with credit score tracking
  • Up to $25,000 in Identity Theft Reimbursement
  • Identity 911 with Credit-restoring Assistance
  • No-fee Money Orders and/or Cashiers Checks
  • Free Notary and Photocopy Service
  • Discount Prescription Card
  • Discounted Safe Deposit Box
  • Discount Emergency Roadside Assistance
  • Free Lifesteps Living Journal
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Reward 50 Interest Checking — For customers age 50+

  • No Monthly Fee when Maintaining $1,000 Minimum Daily Balance or $2,000 Average Daily Collected Balance or $5,000 Combined Deposits ($10 monthly fee when balance requirement is not met)
  • Bank-By-Net Online Banking & Bill Pay
  • Unlimited Check Writing
  • Free VISA® CHECKCard*
  • Free Select Designer Checks
  • No Citizens Bank Fee on Foreign ATM Transactions
  • Tiered Interest Rates
  • Benefits Package

Added Benefits

  • $10,000 AD&D Insurance with $2,500 Dependent Coverage†
  • $20,000 Common Carrier Insurance†
  • Identity IQ with credit score tracking
  • Up to $25,000 in Identity Theft Reimbursement
  • Identity 911 with Credit-restoring Assistance
  • No-fee Money Orders and/or Cashiers Checks
  • Free Notary and Photocopy Service
  • Discount Prescription Card
  • Discounted Safe Deposit Box
  • Discount Emergency Roadside Assistance
  • Free Lifesteps Living Journal
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Value Checking

Added Benefits

  • $10,000 AD&D Insurance with $2,500 Dependent Coverage†
  • $20,000 Common Carrier Insurance†
  • Identity IQ with credit score tracking
  • Up to $25,000 in Identity Theft Reimbursement
  • Identity 911 with Credit-restoring Assistance
  • No-fee Money Orders and/or Cashiers Checks
  • Free Notary and Photocopy Service
  • Discount Prescription Card
  • Discounted Safe Deposit Box
  • Discount Emergency Roadside Assistance
  • Free Lifesteps Living Journal
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Basic Checking

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Benefits Package

Protect your identity with the Benefits Package. This valuable package of benefits is free for most Citizens Bank checking accounts ($4.95 per month for Basic Checking Accounts and Regular Savings Accounts).

  • Free VISA® CHECKCard*
  • $10,000 AD&D Insurance with $2,500 Dependent Coverage†
  • $20,000 Common Carrier Insurance†
  • Identity IQ with Credit Score Tracking
  • Identity 911 with Credit-restoring Assistance
  • Discount Emergency Roadside Assistance
  • Free Lifesteps Living Journal
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Savings And Investments

Citizens Preferred Money Fund

  • Tiered Interest Rate Levels
  • No Monthly Fee when maintaining a $2,500 Minimum Daily Balance ($15 Monthly Fee if Minimum Daily Balance Falls Below $2,500)
  • Six Withdrawals Allowed Per Month (three by check — $15 per withdrawal after six)‡
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Certificates of Deposits

  • Flexible terms
  • Competitive rates
  • Low minimum deposits

Individual Retirement Accounts

  • Individual and spousal IRAs
  • Flexible terms
  • Traditional
  • Roth
  • Education
  • Money Market IRA
  • Minimum opening deposit requirements apply
  • Interest rate tiers based on balance
  • No set-up, maintenance or annual fee
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Regular Savings

  • Minimum opening deposit — $100
  • Interest compounded quarterly and paid quarterly
  • $10 quarterly fee if balance falls below $100
  • Six withdrawals allowed per quarter; if withdrawals exceed six, $2 per withdrawal‡
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Citizens Investment Services

— a division of Citizens Bank

Securities are offered through

Whether you're already an astute investor or just starting to build a portfolio, the financial advisors of Citizens Investment Services, Inc. can help you map out your financial planning strategies.

Citizens Investment Services offers products through Raymond James Financial Services, Inc. member FINRA/SIPC, Inc., one of the nation's largest brokerage firms and a provider of investment services for community banks nationwide.

Products:

  • Stocks & Options
  • Annuities & Life Insurance – Fixed and Variable
  • Bonds
  • Mutual Funds
  • Unit Investment Trusts

Services:

  • Retirement Accounts
  • Financial Planning & Portfolio Development
  • Asset Management Services
  • Research provided by Standard & Poors, Value Line, Credit Suisse, Lehman Brothers and Raymond James
  • Life, Health and Long-term Care Insurance Services
  • Corporate & Public Finance

Financial Advisors

Contact a financial advisor or email us at citizensinvestments@raymondjames.com.

Kingsport

Tim Miller

Train Station
101 E. Main Street
(423) 230-4321

Johnson City

Clem Wilkes

State of Franklin
3028 Peoples Street
(423) 928-8361

Pete Cholerton

State of Franklin
3028 Peoples Street
(423) 928-8361

Visit the Raymond James website — www.raymondjames.com/tri-cities.

SECURITIES OFFERED THROUGH RAYMOND JAMES FINANCIAL SERVICES, INC. MEMBER FINRA/SIPC, AND ARE: ■ NOT DEPOSITS ■ NOT INSURED BY FDIC OR ANY OTHER GOVERNMENTAL AGENCY ■ NOT GUARANTEED BY THE FINANCIAL INSTITUTION ■ SUBJECT TO RISK, MAY LOSE VALUE

Citizens Investment Services and Citizens Bank are independent of Raymond James.

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Consumer And Home Equity Loans

Personal Loans

You want a new car. You want to take that three-week cruise for your 20th wedding anniversary. You're ready to buy that bass fishing boat.

No matter what you need – or want, Citizens Bank is the financing partner you can count on. We make secured and unsecured loans for just about anything including…

  • New and used autos
  • Boats
  • Recreational vehicles
  • Vacations
  • Ready Reserve Line of Credit for Overdraft Protection

Consumer Loan Officers

Call one of the experienced consumer lenders nearest you for financing options and rate information.

Elizabethton

Janie McKinney

Broad Street
300 Broad Street
(423) 547-2060

NMLS ID# 662699

Michelle Melton

Broad Street
300 Broad Street
(423) 547-2041

Melissa Carr

Bemberg
301 Bemberg Road
(423) 547-2141

Violet Trivett

Broad Street
300 Broad Street
(423) 547-2050

Michelle Williams

Hampton
614 Highway 321
(423) 547-2130

Kingsport

Becky Darnell

Train Station
101 E. Main Street
(423) 230-4311

NMLS ID# 662696

Becky Darnell

Allandale
901 University Blvd.
(423) 230-4385

NMLS ID# 662696

Kathy Reed

Preston Forest
2240 E. Stone Drive
(423) 230-4367

Carol Vaughn

Colonial Heights
4125 Ft. Henry Drive
(423) 230-4352

Johnson City

Cindy Anderson

State of Franklin
3028 Peoples Street
(423) 610-3002

NMLS ID# 662698

Cinda Byrd

University
1811 W. State of Franklin
(423) 610-3074

Bristol

Jean Cole

State Street
310 State Street
(423) 989-4406

Rick Fields

State Street
310 State Street
(423) 989-4400

NMLS ID# 662697

Vicky Hickman

Parkway
844 Volunteer Parkway
(423) 989-4417

Sarah Chapman

Bonham
110 Bonham Road, Bristol, VA
(276) 642-5141

NMLS ID# 611088
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VISA® Cards

Citizens Bank issues a choice of VISA® credit cards that are accepted at thousands of locations throughout the world.

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Mortgage Loans

In the time it takes to say “Ready, Set, Close,” Citizens Bank can make your dream home a reality. Visit the Citizens Bank Mortgage Web Center for more information and to apply online.

  • Same-day approval
  • Extended rate guarantee
  • Conventional Loans
  • VA and THDA
  • Fixed or Adjustable
  • Construction Permanent
  • Lot Loans
  • Jumbo Loans
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Home Equity Lending

Home Equity Loans –The equity in your home can provide the money you need to make home improvements or pay for other purchases.

Home Equity Lines of Credit — With a revolving home equity line of credit from Citizens, you decide when to borrow, and based on your approved credit, how much.

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E-Banking

Bank your own way anytime, anywhere. With Citizens Bank E-Banking services you can bank via phone, online or at one of our 13 ATM locations throughout the Tri-Cities — 24 hours a day, seven days a week.

E-Banking

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VISA® CHECKcards*

It's the card that works like a check and an ATM card. Use your check card to make purchases wherever VISA® is accepted. The purchase amount is deducted directly from your checking account. Plus, you can use it at all Cirrus and Star networks – including Citizens' 13 ATM locations. CHECKCards are subject to approval.

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ATM Locations

Get cash when you need it at one of our 13 Tri-Cities area ATM locations. And remember you can also use your Citizens Bank ATM/CHECKCard at Cirrus and Star network ATMs worldwide.

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*Subject to approval

*** Rates are variable and subject to change. To qualify for the WOW Rate E-Checking rate and to be reimbursed for non Citizens Bank ATM transactions, you must meet the following requirements each statement cycle: (1) Make 10 check card transactions per statement cycle, ATM transactions are excluded (transactions must post to and clear the account during the statement cycle to meet 10 transactions requirement).  (2) Receive your monthly statement electronically. Bank-By-Net Online Banking required and must be active for E-Statement (Bank-By-Net is considered inactive if not used for a period of 90 days or longer). (3) Have at least one monthly direct deposit or ACH post and clear each statement cycle. Minimum balance to open is $100. No minimum monthly balance to maintain. At our discretion, we may change the qualification requirements and/or the balance tier on your account at any time. A 30-day notice will be provided for either of these two changes. Member FDIC.

‡Withdrawals are limited by regulation. Continued excessive withdrawals may result in conversion of the account to a non-interest bearing account.

†THESE PRODUCTS ARE: ■ NOT A DEPOSIT ■ NOT FDIC INSURED ■ NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ■ NOT GUARANTEED BY THE BANK ■ SUBJECT TO RISK ■ MAY LOSE VALUE