Citizens Savings Online Banking Made Easy

Citizens Savings online banking is designed to be user-friendly, with a simple login process that requires only your username and password.

You can access your account 24/7 from any device with an internet connection, making it easy to manage your finances on your own schedule.

To get started, simply click on the "Login" button on the Citizens Savings website and follow the prompts to enter your credentials.

With online banking, you can check your account balances and transaction history at any time, giving you a clear picture of your financial situation.

To get started with Citizens Savings online banking, you'll need to enroll as a new customer. This involves filling in all required information and clicking Enroll.

You'll then receive an email from a bank representative within 1-2 business days with a Username. You'll need to call the Spillville Branch to get your temporary password.

The next step is to log in by going to the homepage and signing in with your Username and temporary password. Don't worry, you'll be guided through this process.

After logging in, you'll need to read and accept the Online Banking Access Agreement. If you don't accept it, you won't be able to continue with online banking.

You'll also need to change your password to something secure. Make sure it meets the criteria listed, and re-enter it to confirm.

If you want to enroll for e-statements, you can do so, but be aware that declining or asking to do it later will result in a $2 monthly fee per account.

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Mobile Banking is a great feature that allows you to bank anywhere, anytime. You can download the mobile app from the Apple or Google Play app store to access your accounts.

Deposits made after 3:00pm CST are credited on the next business day. This is according to Citizens Bank & Trust's Funds Availability Policy.

The mobile app lets you check your balance, transfer funds, deposit checks, and pay friends. It's a convenient way to manage your finances on the go.

To give you an idea of what you can do with the mobile app, here's a list of its key features:

With Citizens Savings online banking, you can take advantage of flexible savings options that meet your needs. CDs offer a safe place to keep your cash, earning a higher interest rate than a traditional savings account.

CDs are FDIC-insured, which means your principal is protected from loss. This gives you peace of mind knowing your money is secure.

You can reduce paper waste and maximize convenience with Free Online Statements. This service provides the same information as paper statements.

Online Statements are a secure, fast, and free service to customers. They allow you to manage your banking needs right from your desktop, anytime.

To get started, log in to your online banking account and choose the account to which you'd like to add Online Statements. Then, click on Statements next to the account balance information.

Online Statements offer several benefits, including reducing paper waste, obtaining your statements faster, and easily retrieving information when needed. They also help reduce chances of fraud and identity theft.

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Here are the steps to set up Online Statements:

You can also quickly access statements back to 24 months and download and save your statements for permanent storage if needed.

The EZ Savings Account is a great option for those looking to set aside cash for major purchases or unexpected expenses. You can open an account with a minimum deposit of just $100.

With the EZ Savings Account, you can take advantage of recurring transfer options to reach your savings targets faster. This means you can set up automatic transfers from your checking account to your savings account, making it easier to save.

One thing to keep in mind is that there's a $10 quarterly fee if your balance falls below $100. This might not be a concern if you're someone who always keeps a healthy balance in your account.

You're allowed to make six withdrawals per quarter without incurring any extra fees. If you need to make more withdrawals, you'll be charged $2 per withdrawal.

Automatic Savings Options are also available, but the details aren't specified in the provided text.

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In Citizens Bank's personal money market accounts, you can earn more when you save more. This account offers a competitive interest rate structure, giving you the flexibility to access your funds 24/7.

A tiered interest rate system is in place, where the more you save, the higher your interest rate will be. If you maintain a $2,500 minimum daily balance or an average daily collected balance of $3,500, there's no monthly fee.

To avoid a $15 monthly service charge, you'll need to keep your daily balance above $2,500 or your average daily collected balance above $3,500. If you don't meet these requirements, you'll be charged a $15 fee each month.

You're allowed to make six withdrawals per month from your Citizens Bank money market account. After that, each withdrawal will incur a $15 fee.

Here's a quick breakdown of the account's key features: