The Citizens Bank of Hickman, Kentucky
Online BankingProducts and ServicesCalculators

About Us
Contact Us
Links
Demo
Help
Home
Products and Services


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 available 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
 
ATM Card
  • 24 hour access to money
  • PIN enhances security
 
Other Checking Charges
Overdraft Fee$28.00 per check
Returned check $28.00 per check
Stop payment $20.00
Overdraft for five Consecutive days $5.00/day
 
Money Maker
  • Minimum opening balance: $2500.00
  • Current rate of interest on average collected 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 average collected monthly 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

Click here to return to the top of the page




We are an FDIC insured bank Digital Insight, an Intuit company 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