Enrollment is required to earn interest on this account. Contact a customer service representative to sign up for this option.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. You may inquire as to the current rate on your account by calling 573-392-3381 or 573-378-5464.

Minimum balance to open this account is $100.

You must maintain a minimum average daily collected ledger balance of $750.00 to obtain the disclosed annual percentage yield.

Interest begins to accrue no later than the business day we receive credit for the deposits of noncash items (for example, checks).

The interest will be compounded and credited to your account on the last day of the statement period (monthly). The annual percentage yield assumes interest remains on deposit. A withdrawal of the interest will reduce earnings.

We use the average daily collected balance method to calculate interest on your account. This method applies a periodic rate to the average daily collected balance in the account for the period. The average daily collected balance is calculated by adding the collected balance in the account for each day in the period and dividing that figure by the number of days in the period. You may make an unlimited number of deposits into your account.

Minimum balance to avoid service fee – No fee will be charged if a $100 or more daily balance ledger is maintained. If your daily ledger balance drops below $100 anytime during the statement period, a service charge of $5.00 will be applied.

Online Bill Pay – No fee if 10 or more debit card purchases are posted each month or if you maintain a minimum daily ledger balance of $2,500 per monthly statement cycle. If neither of these two provisions are met, a charge of $3.95 will be applied each month you are enrolled in the service.

Personalized Checks – Citizens Bank of Eldon custom checks printed by Harland Clarke will be supplied to you free of charge with a limit of 2 boxes of checks per year. Other checks offered by Harland Clarke may be purchased at a $5.00 discount off of the regular price. Prices will vary depending on style of checks ordered.

 

OTHER CHARGES THAT MAY APPLY

Return Item: $20.00 per check or electronic withdrawal returned due to insufficient available funds in the account. Fee charged for the first presentment only.

Overdraft Service: $20.00 per check, per in-person withdrawal, ATM withdrawal, or any other electronic withdrawals drawn against insufficient funds and paid into the overdraft. $100 daily maximum.

Stop Payment Charge: $20.00 per check or electronic withdrawal.

Account Activity Monitoring: $25.00 per month

Money Order Fee: $2.00

Cashier’s Check Fee: $4.00

Notary Public: Free

Incoming Domestic Wire: Free

Outgoing Domestic Wire Fee: $15.00

International Wire (Incoming or Outgoing): $75.00

Collection Item Fee: $20.00 (or actual cost)

Canadian Check Deposited: $15.00

Statement Copies: $2.00 per month

Account Activity Printout: $2.00 per printout

Personalized Checks: Price will vary depending on style

Research Fee: $35.00 per hour

Garnishments or Levies: $25.00

Debit Card Replacement: $10.00 (One free replacement will be provided each year, if necessary).

Stop a Lost, Stolen, or Compromised Debit Card: $10:00