Merger Heart county Customers

Account Transition Overview

First and foremost, we would like to welcome you to the Citizens Bank family! We are proud and excited to serve the banking needs of the Hart County market.

Citizens Bank was founded in 1914 with the goal of providing our customers with trusted and personal service. We carry on that same spirit by continuing to grow, and to improve our products and services, all while ensuring the same friendly professional service our customers have come to expect. Our track record of financial soundness and customer service is backed by a 5-Star Bauer Financial rating. Our vision is to ensure that every client trusts us with all their financial needs and stays with us for life.

Our approach to banking is simple, streamlined accounts that offer all the up to date options and services, while providing hometown customer service.

Effective April 4, 2016 your deposit account with Your Community Bank will fully transition to Citizens Bank. Please see the charts below to determine how your account will transition.


Basic Checking

Current Account Citizens Bank Account Brief Description of Account
E-Checking Basic Checking No monthly service charge with $500.00 minimum daily balance or the adoption of online bank statements, otherwise $7.00*
Unlimited transactions
Max Checking
Duty First
New Opportunity
Value Checking
Business Checking
Community Success
Business Analysis Checking

*Non-profit organizations, estates, escrow and super- vised accounts are exempt from monthly service charge.


Interest Bearing Accounts

Current Citizens Bank Brief Description of Account
Interest Checking Interest Bearing Interest rate may change. Contact your local customer service representative for up to date rates.
Interest paid monthly on balances ? $1,000.00
No monthly service charge with a minimum daily balance of $1,000 or the adoption of online bank statements.
Unlimited transactions.
Basic
Business Plus
Cash Max
Checking
Elite Checking
Fifty Plus
Savings Savings Account Interest rate may change. Contact your local customer service representative for up to date rates.
Interest paid quarterly on balances above $0.
No monthly service charge with a minimum daily balance of $100 or the adoption of online bank statements.
Up to 6 debit transactions per statement cycle.
MMDA Money Market Fund A tiered interest bearing account.
Interest rate may change. Contact your local customer service representative for up to date rates.
Interest paid monthly on balances ? $1,000.00
No monthly service charge with a minimum daily balance of $1,000 or the adoption of online bank statements.
Up to 6 debit transactions per statement cycle.

Certificates of Deposit

Current Citizens Bank Brief Description
CD CD There will be no change in rate or maturity date.
Minimum daily balance of $500.00 required to obtain the disclosed annual percentage yield.
Interest will be compounded quarterly and credited quarterly.
Account will automatically renew at maturity. You will have a 10 day grace period to change the terms of your renewal or withdraw funds without penalty.

Individual Retirement Account

Current Citizens Bank Brief Description
Individual Retirement Account Individual Retirement Account There will be no change in rate or maturity date.
Minimum daily balance of $500.00 required to obtain the disclosed annual percentage yield.
Interest will be compounded quarterly and credited annually.
Account will automatically renew at maturity. You will have a 10 day grace period to change the terms of your renewal or withdraw funds without penalty.

Safety Deposit Boxes

Your safety deposit box will remain in the same location, undisturbed.

Internet Banking

Effective April 4, 2016 you will be able to enroll to our internet banking