Account Services: 

• Direct Deposit
• Overdraft Protection
• Overdraft Privilege
• Combined Statements
• Reorder Checks
• Automatic Transfers / Pre-Authorized Transfers 

 Cash Alternatives:

• Money Orders
• Official / Cashier’s Checks
• Traveler's Cheques and Gift Cheques
• Wire Transfers
• Gift Cards  

• Notary Services
• Safe Deposit Boxes
• Savings Bonds
• Telephone Banking 

Direct Deposit

Why wait for the check to arrive or clear. Simply have your check directly deposited to an account at Citizens. You can use Direct Deposit on Recurring Payments including Payrolls, Pensions, Federal Salary payments, SSI, Social Security, Railroad Retirement, and United States Armed Forces-Active Duty and Retirement.

Available accounts for deposit

• Personal Checking Accounts
• Personal Savings Accounts
• Personal Money Markets

• Easy to enroll.
• Payment made safely and timely.
• Funds are immediately available for your use.
• No check to get lost in the mail.

Provide them with the following information:

• Name of the Bank: Citizens Financial Bank
• Citizens Routing and Transit Number (R&T): 271974033
• Your Account Number: This number can be found on your statement or on the bottom of your check. (Always verify that you have given the correct account number so that your money is correctly deposited.)
• For questions or additional information, please contact 888-226-5237.

Personal Overdraft Protection

As a Citizens Financial Bank customer, you may be interested in Overdraft Protection. This service provides a transfer of funds from a designated Citizens deposit account to your Citizens checking account in the event of an overdraft condition. The transfers are processed in $50.00 increments and a service fee is assessed.

Any one of the following items may cause an overdraft on your checking account; a mistake in your check register, an unrecorded check, an electronic transaction or withdrawal, et cetera. Rather than returning overdraft items, Citizens will transfer available funds from the designated deposit account to your overdrawn checking account.

Features

• Transfer of funds from a deposit account to your overdrawn checking account.
• Funds must be available in the designated deposit account for transfer to the checking account.
• Fewer charges from retailers for returned checks.
• Less frustration and embarrassment.
• An Overdraft Protection authorization must be signed.
• Each transfer will be assessed a service fee.
• You will be notified by mail of the transfer.

Personal Overdraft Privilege

As a Citizens Financial Bank client, you may be eligible for Overdraft Privilege. Rather than returning non-sufficient items as unpaid, we will consider payment of your reasonable overdrafts as long as your account remains in good standing.

It has happened to most of us at one time or another; a mistake in our check register, forgetting to record a check or electronic transactions, or miscalculating when a deposit will clear. No one wants to overdraw their checking account but it does happen. Rather than returning all overdraft items as unpaid, Citizens will consider payment of your reasonable overdrafts up to your assigned Overdraft Privilege limit. An overdraft item includes overdrafts created by check, an in-person withdrawal, an ATM withdrawal, or other electronic means.

Features

• Payment of overdrafts normally covered on qualified accounts.
• Fewer charges from retailers for returned checks; less frustration and embarrassment.
• No action on your part or additional paperwork.
• The normal and customary overdraft fees will apply
• No additional fees unless you use the service.
• You are notified by mail of any NSF/OD items paid.

• The account is primarily used for personal and household purposes.
• The account has been open at least 30 days and thereafter you maintain your account in good standing.
• You deposit at least $300 into your account within each 30 day period.
• You are not in default on any loan obligation to the bank.
• The account must be positive (not overdrawn) at least once every 20 days.
• The account is not the subject of any legal or administrative levy.

Combined Statements

A Combined Statement from Citizens Financial Bank lets you access financial information on your checking, savings, certificate or loan with one detailed statement.

To qualify for a combined statement, you must be a signer on all accounts, have a Citizens Financial Bank checking account, and have the same addresses on all accounts. Your combined statement will be produced on the same date as your checking statement.

For questions or enrollment information, please contact 1-888-226-5237 or stop by your nearest banking center.

Automatic Transfers / Pre-Authorized Transfers

No more running to the bank to transfer funds! Set-up a pre-authorized payment or transfer for all your financial needs. An automatic transfer of funds can be set up to come out of a Citizens checking or savings account and go to another Citizens account or loan.

Benefits

• Can be setup to make periodic payments from a Citizens checking, savings or money market account.
• Make your Citizens mortgage payment, fund an IRA with periodic deposits, pay annual safe deposit box rental fees, or set up transfers of funds from a checking account to a money market or savings account as an automatic savings program.
• It’s easy! You can set it up once and it will transfer the funds automatically as long as the funds are available in the funding account.
• Make timely payments on the day you want the payment made, without writing checks or making trips to the Bank or Post Office.

You can also use Online Banking to setup a recurring transfer between your Citizens accounts. Simply log on to Online Banking and select the checking or savings account from which you would like to transfer funds. Using the Transfer menu, you will then be able to perform an express (one-time) transfer or setup a recurring transfer.

Money Orders

A money order is a safe and convenient alternative payment method.

Features

• Money orders are valid up to $1,000.
• Client receives a receipt which provides the client with information in case a trace or refund is needed. There is an $8.00 fee to trace or refund a lost or stolen money order.
• There is a $3.00 service fee. This fee is waived for Premier Checking and Premier Money Market clients.  

Official / Cashier’s Check

An Official Check is a safe way to carry large amounts of money or pay for purchases from vendors who do not accept personal checks.

Features

• Funds in check form are more widely accepted than a personal check.
• Official checks are issued for $1,000 or more.
• The service fee is $5.00. This fee is waived for Premier Checking and Premier Money Market clients.  
• Existing Citizens clients can purchase Official Checks at any Citizens location.

Travelers Cheques / Gift Cheques

Travelers Cheques are a great payment method for clients that do not want to carry cash. They are a popular payment method when on vacation. Gift Cheques allow you to give a monetary gift safely and securely.

Features

• American Express Travelers Cheques and Gift Cheques are recognized world-wide.
• 24 hour client Service Support.
• Lost or stolen Cheques can be refunded/replaced.
• Cheques never expire.
• There are over 100,000 refund locations.
• Replacement assistance provides help with lost or stolen passports and credit cards.
• Travelers Cheques and Gift Cheques can be purchased at most Citizens locations though they are sold only to clients.

Travelers Cheques

• Travelers Cheques can be purchased in increments of $50 or $100.
• Single party Travelers Cheques have a 1% service fee ($1 per $100 worth of checks).
• Dual party Travelers Cheques have a 1.5% service fee ($1.50 per $100 worth of checks).
• The service fee is waived for Premier Checking and Premier Money Market clients. The waiver also includes our grandfathered High Life Checking. 

Gift Cheques

• Gift Cheques can be purchased in increments of $25, $50 & $100.
• There is a $2.50 per Cheque charge.

Personal Wire Transfer

A wire transfer is an electronic transfer of available funds from one financial institution to another. Citizens provides full service wire transfers.

Wire Transfer Features

• Wire transfers are not available on weekends or on Federal Reserve Holidays.
• There is no fee for Incoming Wires.
• The fee for all Outgoing Domestic Personal Wires is $25.
• The fee for all Outgoing Foreign Wires is $50.

• Beneficiary’s Name and Address
• Beneficiary’s Bank Name, Address and Routing Number
• Beneficiary’s Account Number
• Amount to be Wired
• Citizens account number to be debited

How to perform an outgoing wire transfer

• Visit any Citizens location

Gift Cards

• American Express Gift Cards can be used virtually everywhere in the U.S. and Puerto Rico where American Express Cards are welcomed.
• Cards are embossed with "American Express Gift Card".
• 24-Hour Customer Service Support.
• If the Gift Card is lost or stolen, the unused balance can be refunded/replaced.
• Cards are valid for 2 years, although the funds never expire.
• Gift Cards can be purchased at most Citizens locations though they are sold only to customers.
• Gift Cards can be purchased with an opening balance of $25, $50, $100, $200 and $500 (amount may vary by banking center).
• There is a $3.95 cost per card.

Notary Services

• Notary Service is available at no charge.
• Signatures are verified by an objective party (the notary).
• The signed document is notarized with a notary stamp.
• Existing Citizens customers may request a Notary at any Citizens location.

For questions or additional information please contact 1-888-226-5237.