San Juan Club: 55+ Personal Checking

Citizens State Bank is committed to providing our customers with personalized banking services that cater to their unique financial needs. Our San Juan Club account is designed specifically for customers aged 55 and above who want to enjoy exclusive benefits while managing their finances. We take pride in serving the small towns of Colorado and being a trusted financial partner for our community.

San Juan Club account is an interest-bearing account that offers exclusive benefits to our customers aged 55 and above. Some of the key features of San Juan Club account include:

• • Premium Interest Rate: San Juan Club account offers a premium interest rate that is compounded monthly and credited to your account each month. This means you earn more on your deposits while also having the flexibility to access your money when you need it.
  • Exclusive Benefits: As a San Juan Club member, you'll have access to two scheduled activities a year exclusive to SJC members, local discounts, and no fees for cashier's checks, small safety deposit box rental (if available), up to 10 faxes per month, and SJC checks.
  • Low Minimum Balance Requirement: You can start earning interest with a minimum balance of $1,000.00. If your account falls below this minimum balance, a small monthly fee may apply.
  • No Monthly Service Charge for Balances of $5,000 and Over: If your linked aggregated account balances are $5,000 or more, you won't have to pay any monthly service charges.

If you're aged 55 or above and looking for an exclusive banking experience with premium interest rates and no monthly service charges, San Juan Club account is the right choice for you. You can start the application process online or visit one of our local branches in Ouray, Ridgway, Silverton, Naturita and Telluride. Our friendly and knowledgeable staff will be happy to assist you with the account opening process and answer any questions you may have.

Download the new Mobile App & get access to these great features!

• Mobile Check Deposit, Transfers, and Bill Pay
• Access to Account Balances & Transactions

Download the app for free from iTunes or Google Play.

We will respond during regular business hours, M-F - 8:30AM to 5:00PM.

Phone: 970.325.4478

Rate Information:
This Account is an interest bearing account.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account Monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

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 $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:
You must deposit $100.00 to open this account.

Account Fees:
$5,000 and over on linked aggregated account balances during the month.
No monthly service charge.

Under $5,000 on linked aggregated account balances during the month.
$12.00 per month .