Rates are subject to the discretion of The Citizens State Bank of Ouray. Interest will not be paid on interest-bearing accounts if the account is closed before the date interest is to be paid. Please stop by your nearest location or contact one of our friendly Customer Service Representatives for current rate information and disclosures. Open your account today!

*PASSBOOK SAVINGS ACCOUNTS
There is a $25.00 minimum deposit required to open a passbook savings account.  Interest is paid quarterly.  Please contact a Customer Service Representative for terms and conditions that may apply.

	Service Charge
Up to 2 withdrawals per month	No Service Charge
Over 2 withdrawals per month	$1.00 each

Statements are cycled monthly on Passbook Savings Accounts with ATM, ACH and any electronic activity.
(ATM- Automated Teller Machine/ ACH- Automated Clearing House)
All other statements are cycled semi-annually (June 30th and December 31st.)

*MONEY MARKET DEPOSIT ACCOUNTS
Interest is paid monthly on daily balances of $2,500 or more. Statements are cycled monthly. Please contact a Customer Service Representative for terms and conditions that may apply.

*Money Market Deposit Account/Passbook Savings Account
Federal regulations allow no more than six (6) preauthorized transfers per month from your Money Market Deposit Account and your Passbook Savings Account – only three (3) of which can be checks. There is no regulatory limit to the number of withdrawals made in person or at an ATM.

HEALTH SAVINGS ACCOUNTS
There is a $100.00 minimum deposit required to open a Health Savings Account and $25.00 Health Savings Account closing fee. 
Interest Paid Quarterly. 
No Minimum Balance
No Transaction Fees
Free Visa Check Card
Statement Cycled Monthly
Please contact a Customer Service Representative for terms and conditions that may apply.

Monthly Statement Cycles for Money Market Deposit and Health Savings Accounts:
(according to your last name)

A to C	5th
D to H	10th
I to M	15th
N to R	20th
S to Z	25th

Daily Balance	Service Charge
$2,500 +	No Service Charge
Below $2,500	$10.00 each month
Up to 6 withdrawals per month	No Service Charge
Over 6 withdrawals per month	$15.00 each