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Terms:

Offer available in select Pennsylvania, Delaware, and New Jersey branches only. To qualify for the $200 offer you must open your first Citizens Bank Personal Checking with Interest, Circle Checking with Interest, Circle Gold Checking with Interest, Premier Checking with Interest, or Private Checking with Interest account between 10/1/11 and 10/28/11. Primary account holder may not be or have been a primary or secondary signer on any personal checking account within the previous six months.

To be eligible for the interest bonus you must 1. maintain an average monthly balance of at least $5,000 in each calendar month for 6 months between 11/1/11 and 4/30/12 and 2. have at least 5 payment transactions post and clear each calendar month for 6 months between 11/1/11 and 4/30/12. Please note that your statement cycle may not coincide with calendar month used to qualify for this offer.

Payment transactions include debit card purchases, checks paid, automatic electronic payments, and payments made using our Online Bill Pay Service. Transfers to your checking, savings, and money market accounts are excluded. Online Banking transfers to Business loans or credit lines do not qualify.

Cannot be combined with any other checking offers. If the monthly conditions are met, the interest Bonus will be paid by 7/31/12 into the checking account and will be labeled as "Balance Builder Bonus". Bonus will be reported to the IRS.