Citizens Bank of Washington County offers a variety of checking accounts, one of which is sure to meet your needs. The following types of checking accounts are available: Personal Checking Flat Fee Checking Senior Checking or Student Checking Free Checking Interest Checking Personal Check suggested for the consumer who writes fewer than 20 checks per month: Features: No minimum balance fee with $500.00 minimum daily balance If daily balance falls below $500.00 on any day of the month, a $4.00 minimum balance fee and a $.20 fee per debit are applied Debit Card (with credit approval) Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking. Minimum opening deposit of $100.00 Flat Fee Checking Suggested for the customer who writes more than 20 checks per month. Features: There is a monthly minimum balance (membership) fee for this account of $7.00. No minimum daily balance required Unlimited check writing Receive first order of standard checks at no cost Debit Card (with credit approval) Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking Minimum opening deposit of $100.00. Senior Checking or Student Checking Customers who are 50 or 'better' may take advantage of the Senior account, and the Student Checking account is ideal for the full-time college student and high school student between the ages of 15-25. Features: No minimum daily balance required Debit Card (with credit approval) Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking. Minimum opening deposit of $100.00. Free Checking Suggested for the consumer who loves using technology for managing their account. Features: No minimum daily balance required No Images are included with your account statement, unless you are enrolled in the eStatement Delivery program. Debit Card (with credit approval) Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking. Minimum opening deposit of $100.00 Interest Checking Earn a competitive interest rate*. Features: No minimum balance fee with $1000 minimum daily balance. If the daily balance falls below $1000.00 on any day of the month, a $5.00 minimum balance fee and a $.25 fee per debit are applied. Daily balances greater than $2500.00 will earn interest at a slightly higher rate. Debit Card (with credit approval). Interest earned beginning on the business day of deposit. Interest compounded and credited monthly. Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking. Available to individuals within Washington, Bulloch, & contiguous counties. Minimum opening deposit of $1000.00. Call one of our convenient locations for rates. *Bank may change interest rate at any time at our discretion. Business Checking No minimum balance fee with $1000.00 minimum daily balance If daily balance falls below $1000.00 on any day of the month, a $5.00 minimum balance fee and a $.20 fee per debit are applied Debit Card (with credit approval) Availability of night depositories Merchant check verification available There is a $5.00 per item fee for returned checks, either charged back to or picked up by a merchant. Cash services Receive information regarding your account 24 hours a day with CBWC Action Line or Internet Banking Minimum opening deposit of $100.00