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Personal Checking Comparison Chart

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Use our comparison chart to find the one that is just right for you.


Student Free Checking1
Students ages 16-23

Free Checking

Interest Checking

Choice Checking

Choice 50 Plus Checking

Ideal Account for if you want Basic features and easy access with NO monthly service charge2 Basic features and easy access with NO monthly service charge2 The ability to earn interest on your account balance. A value-packed account with no minimum balance required Great value and more perks for customers 50 and over
Unlimited check writing
No minimum balance required  
Interest earned on balances  


Tiered Rates


Tiered Rates
Debit card with no monthly fee
Free online banking, mobile banking3 & Bill Pay

Free ATM use at all Civista Bank ATMs

      Expanded         ATM access



Monthly Statements eStatement eStatement Choice of eStatement or paper Choice of eStatement or paper Choice of eStatement or paper
Overdraft protection options
Free box of selected checks annually4      
Free Deposit Box5      
Cell phone protection      
Free coin machine use      
Free Cashier's Checks - up to two per month      
Unlimited Free Telephone Transfers      
Healthcare Discounts - pharmacy, vision & hearing      
Minimum deposit to open account $50.00 $50.00 $1,200.00 $50.00 $50.00
Monthly Service Charge None None Waived with $1,200.00 minimum daily balance, otherwise $9.00 $7.00 $5.00

Bonus Benefits to help you save more

Learn More


Not Available Add for just $5.00 per month Get more with Bonus Benefits and waiver of minimum balance requirement for a flat $10.00 per month Included FREE Included FREE

1 Account qualifications: Student 16-23 years of age is an owner on account.  Accounts opened by a minor (under 18) require a joint owner 18 years of age or older on the account.
2 eStatement is account standard.  Optional paper statement may be substituted upon request with $2.00 monthly fee.
3 Standard wireless carrier charges may apply.
4 One box of wallet-style Specialty Blue checks per year free or choose a designer check at 50% off.
5 Free deposit box is limited to one year and subject to availability.

Bonus Benefits powered by BaZing.com

Enjoy additional peace of mind and more ways to save while shopping, dining and traveling. Bonus Benefits are included perks for  Choice Checking and Choice 50 Plus accountholders.  Free Checking and Interest Checking can add the Bonus Benefits package for a low monthly fee. Already a customer? Visit BaZing.com often for the latest in savings.

Free checks - annually

One box of wallet-style Specialty Blue checks per year; or choose a designer check at 50% off.


Identity Theft Services


Payment card protection:  If your payment cards are lost or stolen, you have a personal fraud specialist ready to assist you.

Personal identity protection:  Reimbursement for covered expenses you incur to restore your identity.  Up to $2,500 for Choice and Choice 50 Plus Accounts.  Up to $1,000 for all other personal checking accounts.

Identity theft aid:  Unlimited access to personal fraud specialist who provide identity recovery and restoration assistance.

Roadside Assistance

Roadside Assistance is available 24/7.  It's easy to use and you're charged a preferred low rate only when you need to use this service

 Travel Accidental Death Insurance

Applies to travel by automobile or licensed common carrier.
$10,000 for Choice/Choice 50 Plus accountholders. 
$5,000 for Bonus Benefit accountholders.

Emergency Travel Assistance

Help is as close as a phone call if you need emergency cash or assistance with lost/stolen luggage or travel documents.

Local & National Dining Savings

Save at hundreds of dining establishments ranging from upscale restaurants to casual family eateries.

Local & Online Shopping Discounts

Making a purchase?  Go to BaZing.com to find discounts from favorite retailers.

Travel, Hotel & Recreation Discounts

Save at  hotels in popular destinations worldwide.

Additional discounts include car rentals, airfare, golf and ski vacations, theme parks, and more.

Local Services Discounts

Save on professional services including dry cleaning, fitness training, photography, lawn care and automotive services.

Participating retailers & offers are subject to change without notice.