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Nashville Citizens Bank
Savings Account Services
Many Saving options are available for Nashville Citizens Bank Patrons. Whether you are an experienced investor or a beginning saver, we have a savings plan for you. |
Loan Services
As part of our customer dedication, we are proud to offer lending services to both businesses and individuals. With competitive rates and terms, there is sure to be something to suit your needs. |
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Personal Checking Services
All of our checking accounts offer wonderful features at an attractive price. You'll find one that is perfect for all of your checking needs. |
Commercial Services
Just as each customer has special needs, we understand that commercial businesses do to. Our knowledgeable and friendly staff members will be happy to help you meet your business account needs. |
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Express Banking
Call 229-686-6902 for 24-hour telephone access to information on your deposit and loan accounts. |
Specialty Account Services
Nashville Citizens Bank offers the Cardinal Club specialty checking account with many customer benefits. |
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Savings Account Services
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Savings Account*
The Nashville Citizens Bank pays a competitive rate of interest compounded semi-annually with statements mailed semi-annually. A minimum deposit of $25 is all that is required to open your account. There is no charge for withdrawals up to 3 per six months; however a $1.00 charge will be made on each additional withdrawal.
Christmas Club*
Our Christmas Club requires a minimum opening deposit of $25.00 and pays a bonus of 1% of your total balance. Deposits may be made for any dollar amount at any time. All checks will be distributed the first of November. Any account closed before this date will receive no interest and a $5.00 close-out fee will be assessed.
Certificates of Deposit
Certificates of Deposit are designed for a predetermined time and amount. Nashville Citizens Bank CD's are available in maturities from 31 days to three years, with a required minimum deposit of $1000. Interest is based in the current market rate and is set for the term of the CD at the time of purchase. A penalty may be assessed for early withdrawal.
Individual Retirement Accounts*
Your future is secure with Nashville Citizens Bank individual retirement account. If you qualify, it is possible to defer income tax on a portion of your income by opening an IRA account. Withdrawals may begin at age 59 and must begin by age 70. Substantial penalties as prescribed by law may be charged for early withdrawals from your IRA account.
* Nashville Citizens Bank interest rates vary and are set periodically according to market conditions and are paid on average daily balances.
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Personal Checking Services
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Personal Checking
No monthly service charges are incurred when you maintain a minimum balance of $1,000.00. Should your account balance drop below this level, a monthly maintenance fee of $4.50 and $.22 per check will be charged for all activity during the statement cycle. Minimum opening deposit requirement is $1,000.00.
Big C Club Checking Account
There is no minimum balance requirement on the Big C Club checking account. Joint and family plans are available which include an accidental death insurance policy and unlimited check writing for a flat monthly fee. Minimum opening balance of $25.00 is required.
Now Checking*
Interest is paid on the Now account at a market rate. No service charge will be incurred on accounts maintaining $1,000 balance. A charge of $5.00 plus $.20 per check will be assessed if the balance drops below these levels.
Money Market*
Our Money Market account pays interest at a market rate and has no service charge on balances of $2,500 or more. If the balance falls below $2,500 anytime during the month, a $15.00 fee will be charged plus $.25 per check. You may not make more than six (6) preauthorized, automatic, or telephone transfers (including telephone banking and bill pay, internet banking and bill pay and PC banking payments and transfers). There is no limit on the number of withdrawals made in person, however third party transactions are limited to (3) per statement cycle.
*Nashville Citizens Bank interest rates vary and are set periodically according to market conditions and are on paid on average daily balances.
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Express Banking
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Nashville Citizens Bank offers a complete automated account information system that is open 24-hours a day. To access the system dial 229-686-6902. Information is available on many accounts and services including:
- Checking Accounts
- Savings Accounts
- Loan Accounts
- Certificates of Deposit
- Individual Retirement Accounts
Be sure to have account information available, such as your checking account number, to access your account information.
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Loan Services
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The Nashville Citizens Bank offers the following Loan Services.
- Personal loans for home improvement, vacations, boats, recreational vehicles and other worthwhile purposes.
- Automobile loans to purchase your new or used automobile at competitive rates and terms.
- If you are purchasing a new home or real estate, constructing a new home or need to refinance your existing mortgage, we can assist you in finding the right plan to fit your needs.
- Growth in the business community is important to the continued growth of the community and a full range of financing is available to aid in the growth of the commercial market. Financing is available for all types of business.
- With a line of credit, borrowing is as convenient as writing a check or as close as your telephone. Both Personal Lines and Home Equity Lines are available.
- Visa and MasterCard are available for both personal and commercial needs.
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Commercial Account Services
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Business Checking Accounts
Our Business Checking Account offers free checking for balances greater than $1,000. For balances below $1,000, the monthly service charge is $4.50 plus $.20 per check.
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Specialty Account Services
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Nashville Citizens Bank offers the Cardinal Club specialty checking account with many customer benefits.
A special program for customers 55 years of age or more. Designed as an interest bearing account; requiring only $25.00 opening deposit; and no minimum daily balance required. You must maintain a daily balance of $500.00 to obtain the annual percentage yield. Complimentary services are as follows:
- Free Cashier's Checks
- Free Traveler's Checks
- Free Money Orders
- Direct Deposit Set-up
- 10% Discount on Safe Deposit Box Rental
- Notary Services
- Free 50 package starter checks
- Unlimited check writing
*Nashville Citizens Bank interest rates vary and are set periodically according to market conditions and are paid on average daily balances.
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