This account earns a variable rate of interest simply by maintaining a low minimum balance.

The following convenient services are available on all our checking accounts.
	FREE Citizens Check Card (Debit Card)
	FREE Citizens ATM Transactions
	Unlimited Check Writing
	FREE Check Imaging
	FREE Telephone Banking
	FREE Online Banking
	FREE Online Bill Pay
	FREE Notary Service
	Direct Deposit

Group Advantage Value Checking
Minimum Opening Deposit	$50
Minimum Balance	$100 minimum daily balance
Monthly Service Fee	$8 monthly service fee – Waived with $1000 minimum daily balance
Citizens ATM Transactions	FREE
Non-Citizens ATM Transactions	10 free per statment cycle
Interest Rate	Earns a variable rate of interest on a balance of $400 or greater
Overdraft Privilege	$700 on eligible accounts
Additional Benefits	Free first order of checks