Best American Banks Online Citizen Bank
Citizens Bank #4. One of the largest banks in the USA
Incorporated February 28, 1906
April 30, 1939, the offices of the Tennessee Valley Bank and Citizens Bank and Savings Company were merged
Citizens Bank was the only bank in Russellville that remained solvent during the depression of the 1930's
The bank built new offices in Red Bay in 1980 and Hodges in 1981, making Citizens Bank a "county-wide" bank
In 1988, the bank formed a holding company called CBS BANC-Corp
Today, Citizens Bank continues to grow and expand its service base. With thirteen branches, over one-hundred and seventy employees and over $500,000,000 in assets, Citizens has become one of the largest community banks in the state
Citizens Banks offers a wide variety of services to accommodate any financial need that arises. Citizens Bank wants to be your bank and will go that extra mile for your business.
Citizen Bank. Free Checking, Interest Checking, Statement Savings, investing, investing stock
Statement Savings Ideal for your short-term or long-term savings goals, this standard savings account requires a minimum opening deposit of only $50. The Statement Savings account is designed for individuals who wish to save and receive a regular statement. A bank statement is mailed monthly and the bank pays a competitive rate of interest.
Citizens Bank uses the daily balance to calculate the interest on your accounts. This method applies a daily periodic rate to the principal in the account each day.
Interest is calculated on the average daily collected balance and is compounded and posted quarterly.
A nominal fee is assessed for each withdrawal in excess of six (6) per month.
A fee is assessed monthly if the balance falls below $50.00. (Dormant accounts with a balance below $100 are assessed a monthly fee.)
The Interest rate and annual percentage yield paid on your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.

Free Checking
No Minimum Balance Required
First Order Of Personalized Checks Free
Unlimited Check Writing
Free Internet Banking
ATM/Check Card
Free Bill Pay*

Interest Checking
$1,000 Minimum Balance Requirements For No Service Charge
Interest Calculated On Average Daily Collected Balance
Unlimited Check Writing
ATM/Check Card
Free Internet Banking
Free Bill Pay*

Prime Advantage - For High Balance Relationships
$10,000 Minimum Balance Requirements To Avoid Service Charge
$10,000 Accidental Death & Dismemberment Insurance
Tiered rate structure allows you to earn up to 50% of Wall Street Journal Prime depending on the balance of the account.
Unlimited Check Writing
No Issue Fee For Travelers Checks & Money Orders
ATM/Check Card
Free Internet Banking
Free Bill Pay

Certificates of Deposit Citizens Bank can structure a Certificate of Deposit to fit your individual needs. Citizens Bank offers competitive rates and flexible terms, with maturities up to 60 months. All depositors are insured by the Federal Deposit Insurance Corporation for the maximum allowed by law. Ask us for details about current rates and terms. Certificates may be purchased with a minimum amount of $1,000.00. You may receive your interest by check, added to your certificate either at maturity or annually, or credited directly to your checking or savings account. Interest may be paid monthly, quarterly, semiannually, or annually. Substantial penalty for early withdrawal.

Consumer Loans Auto loans for new or used cars, featuring flexible terms and competitive rates
Personal loans, both secured and unsecured with competitive rates and flexible terms
Debt consolidation for your financial needs

Home Equity Lines of Credit A home equity line from Citizens Bank can be an excellent way to make home improvements, finance a college education, buy a car or make that dream vacation a reality. It's easy, just use the equity in your home and, in most cases, take advantage of important tax deductions. This variable rate, revolving line of credit is available starting at $5,000 and lets you borrow up to 90% of the equity in your home. Funds can be used for any purpose and you can access your line with personal checks.

Home Mortgage Loans Citizens Bank gives you a wide range of mortgage loans to choose from. Citizens Bank will help you understand and select the loan that best meets your needs.
Fixed rate mortgages
FHA/VA mortgages
Adjustable rate mortgages
Construction loans

Payment Protection With Credit Life Insurance and Credit Disability Insurance, you can be assured that your loan payments will be made in full in the event of death or disability. Insurance plans are inexpensive and convenient.







Investment Finance in Economic Development
Book by Routledge, 1995
Financial structures, financial development and economic development

It was pointed out earlier in this book that less developed countries (LDCs) commonly have thin or even no organised financial markets (see, for example, Goldsmith 1969; McKinnon 1973; World Bank 1989). According to the mainstream view, this institutional underdevelopment is the result of the 'long history of financial repression in developing countries' (Fry 1989:233). It is further assumed that financial development can be promoted by financial liberalisation, which is alleged to increase saving and therefore investment.

An alternative view on financial structures, financial development and economic development, which is consistent with the theory presented in the previous chapters, is presented in this chapter. In this view, the role of banks in the process of growth is to supply finance, whereas saving and financial markets provide funding. Therefore, from our perspective, the concept of capital market efficiency-which is only applicable to the neoclassical analysis, where the main role of the financial system is to allocate saving between competing investment projects-must be replaced with the new tool to compare and address different financial structures in their roles as promoters of growth. Instead, the concept of capital market functionality is proposed, which has both microeconomic and macroeconomic foundations. Rather than assuming that there is an 'optimal' financial structure, we shall then be in a position to assess and compare different financial structures according to their potential functionality. Having defined the concept of functionality, the main features of two different financial systems, the capital-market-based systems and the credit-based systems, are compared in this chapter. This comparison establishes their relative strengths and shortcomings in supporting.. From theory to evidence
This chapter marks the transition between the theoretical and applied parts of the book. It summarises the story of Brazil's development from 1947 to 1983, concentrating on the relation between real and financial development, with three aims: (1) to justify concentrating on this period, in particular to justify stopping in 1983; (2) to indicate the questions raised by applying the approach of the first four chapters to this period of Brazilian economic experience; (3) to indicate the method of application. The chapter is organised as follows. First we provide an overview of the problems dealt with in the case study and explain the choice of the overall period. The importance of the financial reforms of 1964-6 is highlighted in order to explain the demarcation into two sub-periods, before and after the reform, which is followed in subsequent chapters. Then, we show how the post-Keynesian framework developed earlier will be used to structure the questions to be addressed in subsequent chapters. A SUMMARY OF THE PERIOD AND ITS SUB-PERIODS
In our case study we compare the functionality of Brazil's financial structure before and after the financial reforms of 1964-6. The study deals with the period from 1947 to 1983, which is divided into the periods of 1947-66 and 1967-83. These sub-periods were chosen for reasons concerning both the economic and the financial developments of the period.

The year 1947 is a watershed in Brazil's economic development after the Second World War, because it was then that the first steps to the rapid process of import-substitution were taken by Brazil's government


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