Citizens Guaranty Bank

Headquarters: Richmond, Kentucky
Charter: Bank
Assets: $303.6M
Fed district: Cleveland

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Citizens Checking $5 · Citizens Clean Slate Checking $10
Compared at $7.50, the middle of its prices
Citizens Guaranty Bank: $5 to $10
Citizens Guaranty Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Citizens Guaranty Bank: $35
Citizens Guaranty Bank: $35
U.S. median: no median
NSF / Returned Item
Citizens Guaranty Bank: $35
Citizens Guaranty Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Citizens Guaranty Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$10
per month
Monthly service charge$5
per month
Christmas Club Early Closing/Withdrawal$10
per transaction
Early closeout fee$35
one time
Early closeout fee within 180 days of opening$35
Early Closing Fee for Checking or Savings (excluding KASASA Accounts)$35
Vacation Club Early Closing/Withdrawal$10
per transaction
Dormant Checking$5
per month
Dormant Savings$5
per month
Statement Recon/Research Fee (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Statement (undeliverable mail – per month)$5
per month

Overdraft & NSF

NSF Paid Item Fee or AOD Paid Item Fee (per item)$35
per item
NSF Returned Item Fee or AOD Returned Item Fee (per item)$35
per item

ATM & Card

ATM Inquiry/Transaction Fee$1
per transaction
Debit Card Replacement Fee$10
per item

Wire Transfers

Outgoing Domestic Wire Fee$25
per item
Incoming Domestic Wire Fee$15
per item
Outgoing International Wire Fee$75

Check Services

Miscellaneous Fees and Charges Effective July 16, 2024 Cashier’s Check$5
Stop Payment Request$34
per item

Cash & Deposit

Chargeback Check Fee (Returned Deposit Item)$7
per item

Account Services

Garnishment/Levy Fee$100

Other Fees

Statement Copy (including duplicate statements)$6

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$10	per month	None
Monthly service charge	$5	per month	None
Christmas Club Early Closing/Withdrawal	$10	per transaction	None
Early closeout fee	$35	one time	None
Early closeout fee within 180 days of opening	$35	Not stated	None
Early Closing Fee for Checking or Savings (excluding KASASA Accounts)	$35	Not stated	None
Vacation Club Early Closing/Withdrawal	$10	per transaction	None
Dormant Checking	$5	per month	None
Dormant Savings	$5	per month	None
Statement Recon/Research Fee (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Statement (undeliverable mail – per month)	$5	per month	None
Overdraft & NSF
NSF Paid Item Fee or AOD Paid Item Fee (per item)	$35	per item	None
NSF Returned Item Fee or AOD Returned Item Fee (per item)	$35	per item	None
ATM & Card
ATM Inquiry/Transaction Fee	$1	per transaction	None
Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Outgoing Domestic Wire Fee	$25	per item	None
Incoming Domestic Wire Fee	$15	per item	None
Outgoing International Wire Fee	$75	Not stated	None
Check Services
Miscellaneous Fees and Charges Effective July 16, 2024 Cashier’s Check	$5	Not stated	None
Stop Payment Request	$34	per item	None
Cash & Deposit
Chargeback Check Fee (Returned Deposit Item)	$7	per item	None
Account Services
Garnishment/Levy Fee	$100	Not stated	None
Other Fees
Statement Copy (including duplicate statements)	$6	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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