The Citizens Bank of Hickman, Kentucky
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Checking Accounts

Regular Checking
  • Minimum opening balance: $100.00
  • Unlimited check writing
  • Maintenance Fee based on balance
  • Citizens 62 and over, churches, and full-time students are free (Limited to two free accounts)
  • Reorder checks online
Daily BalanceMaintenance Fee
$600.00 and over N/C
$500.00 - $599.99 $2.00
$400.00 - $499.99 $3.00
$300.00 - $399.99 $4.00
$200.00 - $299.99 $5.00
$0.00 - $199.99 $6.00
 
Commercial Checking Accounts
  • Minimum opening balance: $100.00
  • Unlimited check writing
  • Maintenance Fee based on balance
  • Reorder checks online
Daily BalanceMaintenance Fee
$700.00 and over N/C
$600.00 - $699.99 $2.00
$500.00 - $599.99 $3.00
$400.00 - $499.99 $4.00
$300.00 - $399.99 $5.00
Under $300 $6.00
*Churches and Civic Groups are Exempt From
Maintenance Fees
 
Senior Checking
 
Student Checking
  • Minimum opening balance: $100.00
  • No Maintenance Fee
  • Students responsible for purchasing checks
  • Reorder checks online
 
 
Vic Club Basic Plan Vic Basic Family Vic Gold
 
Now Checking Account
  • Minimum opening balance: $1,000.00
  • Interest is paid on minimum daily balance
  • If balance falls below $1,000.00 there is a $6.00 maintenance fee
  • Reorder checks online
  • Click here for current rates
  • Exception: Most Corporations cannot have NOW Accounts
 
Visa Debit Card
  • Alternative form of accessing checking account
  • Not a credit card
  • Serves as ATM card
  • Accepted anywhere Visa is accepted
  • PIN Replacement $2.00
  • Card Replacement $2.00
 
ATM Card
  • 24 hour access to money
  • PIN enhances security
  • PIN Replacement $2.00
  • Card Replacement $2.00
  • Network Use - Foreign Machine $1.50
 
Other Checking Charges
Overdraft Fee$30.00 per check
Returned check $30.00 per check
Stop payment $30.00
Overdraft for five Consecutive days $5.00/day
 
Money Maker
  • Minimum opening balance: $2500.00
  • Current rate of interest on minimum daily balance
  • Withdrawals over 6 per month $5.00 each
  • Click here for current rates
  • Balance falls below $2,500.00 minimum goes to NOW Account rate and service charges
 
Premium Money Maker
  • Minimum opening balance: $25,000.00
  • No fee with minimum daily balance of $25,000.00 or more
  • $10.00 fee for average monthly balance $0 - $24,000.00
  • Six transfers per month
  • Withdrawals over six per month $5.00 each
  • Click here for current rates
 
Internet Banking
  • Access your account(s) by computer
  • Get Account balances
  • Transfer funds between checking, savings and/or loan accounts
  • View images of cleared checks
  • Get Bank statements electronically
  • Free Bill Pay - make payments from checking account to third parties
  • Click here to register for Internet banking

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We are an FDIC insured bank We are an Equal Housing Lender - Click here to find out more..
The Citizens Bank, 1522 Union City Hwy, PO Box 268, Hickman, KY 42050-1858, (270) 236-2525 and at 201 Nolan Ave. P.O. Box 1520, Fulton, KY 42041 (270) 472-2626