Citizens Bank Sac City, Iowa
Citizens Bank Sac City, Iowa Citizens Bank Sac City, Iowa

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Regular Business Account

  • $.15 per withdrawal paid
  • $.10 per foreign item deposited
  • $.15 per $100.00 credit
  • $5.00 monthly maintenance fee

Qualified Business Checking Plus Interest

  • No service charge if maintains $2,500 minimum balance or $5,000 average balance.
  • Service charges if balance is below $2,500
  • Activity charge will be consistent with regular business account
  • Variable Rate – Subject to daily change

Please contact us for current service charges.

Regular Savings Accounts

  • Six (6) Withdrawals per Month
  • Withdrawals in excess of 6 per month will be charged $1.00 per withdrawal. This charge will be waived if the account maintains at least a $500.00 minimum balance for the entire month.
  • Variable Rate – subject to daily change

Pre-Authorized Transfer Restrictions: You are allowed six pre-authorized transfers per month, no more than three of which may be by check, draft, debit card or similar orders to third parties. Types of transactions include ACH debits, pre-authorized transfers to cover overdrafts, and telephone transfers to third parties. If the excess transactions become more frequent than “occasional”; and if after notice an additional excess transaction occurs, the Bank will cease paying interest and close the account.

If an account does not have a transaction within a 365 day period the account will be deemed dormant. The account will be charged a monthly maintenance fee when the balance is below $10.00.

If no contact can be made with the account owner within a 3 year period, the account will be deemed escheat and turned over to the State of Iowa.

Iowa Sales Tax will apply to all applicable service charges.


By operation of federal law, beginning January 1, 2013 funds deposited in a noninterest-bearing transaction account (including an interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositorís accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of Noninterest-bearing transaction accounts visit

Citizens Bank Sac City, Iowa
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