Citizens Federal offers several deposit plans. Each is fully protected by FDIC deposit insurance. If you enjoy the convenience of having all your transactions recorded in one place, we are one of the few financial institutions that still offers the traditional passbook savings. Or if you don't want to keep track of a passbook, we have a statement savings account which can be accessed at our offices and at any ATM location. Also available is a special account for Christmas Savings.

Passbook Savings
Minimum to open is $20.00
Earns a rate of .75% and APY of .75%
(APY is Average Percentage Yield)
No ATM access
Must present passbook for all transactions

Statement Savings
Minimum to open is $20.00
Earns a rate of .75% and APY of .75%
ATM access ( Fees charged when using any machine other than Citizens Federal's)
Monthly Statement

Christmas Savings
Minimum to open is $20.00
Earns a rate of .75% and APY of .75%
Starting date November 1st
Deposits of any amount, no withdrawals
Cutoff mid October, check automatically mailed

School Savings Since 1997, Citizens Federal has sponsored a School Savings program in the city and county elementary schools. The program is operated one day each week in the school by parent and student volunteers. It is our goal to work together with the schools and parents to teach our children to be more financially responsible and work toward a more secure future.

$1.00 provided by Citizens Federal to each student who applies
Deposits of any amount accepted at the school or our offices
Withdrawals done only at our offices, require both the student and parent to sign
Earns a rate of 1.75% and APY of 1.77%
Quarterly statement
Quarterly prize drawings
Eligible until 18 years of age or until high school graduation.

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Citizens Federal NOW Checking
(Personal and Not-For-Profit Organizations ONLY)
Unlimited Check Writing - No Per Check Charge
Maintenance Fee Waived With Minimum Balance
Interest Bearing Account
ATM Access
Sweep Overdraft Protection Available
Monthly mail or e-mail statement with images of checks

Citizens Federal Senior Checking Advantage (Customers 60 years or better)
Unlimited Check Writing - No Per Check Charge
Interest Bearing Account
ATM Access
Sweep Overdraft Protection Available
No Minimum Balance
Monthly paper or Email statement with images

The following services and supplies are provided at NO Charge for our Senior Checking Advantage customers:

Checks-certain styles only
Account Maintenance
Account Histories
Account Reconciliation
Sweep Overdraft Feature
Check Certification
Photocopies
Stop Payments
Citizens Federal ATM Fees

Business NOW Checking Account (Sole Proprietor Businesses Only)
Unlimited Check Writing - No Per Check Charge
No Minimum Balance Requirement
Monthly Maintenance Fee
Interest Bearing Account
Sweep Overdraft Protection Available
Monthly paper or e-mail Statement with images of checks

Non-Interest Bearing Business Accounts
(Incorporated Businesses)
Unlimited Check Writing - No Per Check Charge
Monthly Maintenance Fee
Sweep overdraft Protection Available
Monthly paper or e-mail statement with imaes of checks.

NOW fees assessed when applicable

· Service charge, monthly - daily balance of $500 or more: No Charge
· Service charge, monthly - daily balance of less then $500: $8.00
· Business checking account service charge: Monthly $9.50
· Check printing, many styles and prices from which to choose
· Counter check: $.35
· Certified check: $3.00
· Dormant account fee applied when balance is below $20.00 and inactive for two years: Charged quarterly $1.00
· Garnishments- court order/child support: $2.00
· Overdraft - each debit or check paid: $15.00
· Non-sufficient funds (NSF) item (per item): $15.00
· Non-sufficient funds (NSF) ACH (pre-authorized draft): $15.00
· ATM fees: STAR transactions $.60 Cirrus transactions: $1.50
· Account activity printout or interim statement: $3.00
· Account research (minimum $3.50) per hour: $15.00
· Stop payments:

Direct withdrawals (ACH or Draft): $15.00
NOW checks: $15.00
Lost or stolen NOW checks: $7.50
Cashier's check: $15.00
FHLB money orders: $15.00
Lost ATM or Debit Card $5.00
Lost PIN# $5.00
MICR-Encoded Interim Checks - sheet of 4 $2.00

· Item received for collection: $7.50
· Unpostable items: $2.00
· Return check fees - One party: $15.00 Two party: $7.50
· Photocopy of check: $3.00
· Canadian Check handling fee: $4.00
· Postdated check fee $3.00

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Check Printing Service

Citizens Federal has several attractive styles of checks that can be ordered and printed here in our office at a significant cost savings to you when compared to checks ordered from other sources. The advantages include:

Cost Savings

Rapid Service

Attractive styles on quality paper

Security of checks (held for pick-up)

NOW Account Sweep Overdraft Feature

Sweep overdraft protection is available for your NOW account. Funds can be taken from a Citizens Federal donor account and transferred to your NOW account to cover any check that would cause you to be overdrawn. The fee for Sweep transactions is $7.50 per transaction.

Direct Teller

Use the Citizens Federal Direct Teller for accurate 24-hour account information. Dial
1-800-436-5177 using a touch-tone telephone and follow the easy steps for entering your account number and password. You will be able to obtain:

· Account Balances · Account History · Interim Statement, Limited checking history (small fee will apply if fax requested)

You will also be able to transfer funds between your Citizens Federal checking and savings account. Savings may transfer 5 times free in a calendar quarter, ex: Jan-March. Checking may transfer 5 times free in a month. Each transfer after 5 is 50 cents each. Please note, the first SS# on the "from" account must match the first SS#'s on the "to" account.

ATM Cards

Enjoy the convenience of our Citizens Federal ATM card by accessing your statement savings account at any ATM machine nationwide. Use your ATM card and personal identification number to deposit or withdraw from your account. A small per transaction fee will apply when using any machine other than Citizens Federal

Visa Check Cards

Upon Approval, VISA check cards are issued to checking account customers 18 years of age or older. They can be used with a PIN # at ATM machines to get cash or used at stores to purchase goods or services. The one day limit for ATM withdrawal is $300.00 and the purchase limit is $500.00. Use of your card is a withdrawal from you checking account and the amount must be deducted from your balance.

Savings Bonds

For many years, Citizens Federal has been an agent of the Department of the Treasury for the issuance, redemption or exchange of U.S. Savings Bonds. Bond Series currently being offered are EE and I. Savings Bonds can help you save for education or can be an excellent way to help build savings for retirement. Savings Bonds are also a much-appreciated gift. They are a safe security, easy to purchase and the earned interest is tax deferred until redemption of the bond.

EE Savings Bonds

. Purchase for 50 percent of the face amount
· Earn interest at market-based rates for up to 30 years
· Interest accrues so that bond increases in value
· Can cash anytime after 12 months
· Interest is exempt from state and local income tax
· Federal tax can be deferred until redemption of the bond
· A limit of $15,000 purchase price, per person, per calendar year
· Forfeit three months interest if cashed within the first five years

I Bonds (Inflation-Indexed)

· Purchase for face amount
· Grow in value as interest accrues for up to 30 years
· Can cash anytime after 12 months
· Forfeit three-month earnings if cashed within the first five years
· Available in denominations of $50 to $10,000
· Can qualify for education exclusion

For further information on government savings bonds or to check the rate or value of bonds you own, visit savingsbonds.gov

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Other Services

· Money Orders

· Main office and Drive-thru Night Depository

· Depository for Taxes

· Safe Deposit Boxes

· Notary Service

· Stafford Student Loan

· Copier Service

· Cashiers check: $3.00

· American Express Gift Cheques: $2.00

· 24 Hour ATM Machine

· Wire Transfers - outgoing: $20.00

· Wire Transfers

Fee for incoming Wires:

Account Holders $10.00
Non Account Holder $15.00

Instructions For Sending a Wire to Citizens Federal

Send to :

Federal Home Loan Bank
211 E. 4th Street.Ste. 1000, Cincinnati, Ohio 45202
ABA # 042000916

Credit to:

Citizens Federal Savings & Loan Assn
110 N. Main St. Bellefontaine, OH 43311
Account #211094

Further Credit to:

Your name and address
Your account number

· Fax Service

Fax Service Fee:

$6.00 for two sheets
Each additional sheet $1.50

· Quick Start of Government Direct Deposits

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For our customers needing travelers cheques, Citizens Federal offers The American Express Travelers Cheque. American Express has continually set superior standards of excellence and service. Customers overwhelmingly prefer American Express because their unmatched worldwide acceptance and refund services make travel safer.

Travelers Cheques for One
Available in denominations of $20.00 - $50.00 - $100.00
Cashable only by person purchasing the cheques
Fee is 1% of total dollars purchased

Travelers Cheques for Two
Available in denominations of $20.00 - $50.00 - $100.00
Cashable by either one of two signatures
Fee is 1 ½ % of total dollars purchased

American Express Gift Cheque
Good for any occasion
Possibly the world's most welcomed gift
Available in certificates of $25.00 - $50.00 - $100.00
Fee is $2.00 per cheque

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