Citizens Bank of Pagosa Springs

Basic Checking
Regular Checking
Silver Checking
NOW - Interest Checking
Platinum Checking Account
Money Market Account
Savings
Individual Retirement Savings Account
Certificates of Deposit
Interest Rates

Basic Checking

No monthly maintenance fee
Write as many checks as you like, no limit or additional fee
Automatic check safekeeping
$100.00 to open

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Regular Checking

No monthly fee with a $300.00 minimum balance
Write as many checks as you like, no limit or additional fees
Imaged checks with itemized monthly statement
Pay only $7.00 per month when the balance falls below $300.00 during the statement cycle
$100.00 to open

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Silver Checking

For customers 55 and over
Free selected checks for as long as you have the account
No monthly fee
No minimum balance requirement
Interest is compounded monthly, paid monthly
$100.00 to open

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NOW - Interest Checking

Write as many checks as you like, no limit or additional fees
Interest is compounded monthly, paid monthly on collected balances
No monthly fee with a $1000.00 minimum balance
Imaged checks with itemized monthly statement
Pay only $7.00 per month when the balance falls below $1000.00 during the statement cycle
$100.00 to open

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Platinum Checking Account

The interest paid on this account is credited directly to this account. The Bank does not offer the option to mail interest checks on this type of account.
Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations: You must deposit $500.00 to open this account.
Account Fees: A balance of $1,000.00 is required for every day in the cycle to avoid a service charge of $20.00.

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Money Market Account

Interest rates based on collected balances, compounded monthly, paid monthly
Imaged checks with itemized monthly statement
No monthly fee with a $1000.00 minimum balance
Monthly fee of $7.00 when balance falls below $1000.00 during the statement cycle
Up to six withdrawals per statement cycle allowed (3 of which can be checks)
$100.00 to open

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Savings

Interest rate based on collected balances, compounded monthly, paid monthly
No monthly fee for balances over $25.00
Pay $7.00 per month when balance falls below $25.00
No monthly fees for minor’s accounts
Itemized quarterly statement
$5.00 to open

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Individual Retirement Savings Account

No fee accounts
Tiered interest rates on balances, compounded quarterly, paid quarterly
Itemized quarterly statement
$25.00 to open

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Certificates of Deposit

3 month CD
6 month CD
12 month CD
24 month CD
36 month CD
48 month CD
60 month CD

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Member FDIC

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Equal Housing Lender