Payroll Deduction: A service that allows you to make loan payments automatically and to use Citizens' Bi-Weekly Payment Program. Telephone Transfer: Make payments and savings transfers quickly and conveniently. Money Orders: Travelers Express money orders are available. ATM and Debit Cards: Account access available at any PLUS terminal. Travelers Checks: American Express checks including "Cheques for Two" are available. Safe Deposit Boxes: Available in a variety of sizes. Direct Deposit: A safe, easy and reliable way to deposit funds into your accounts. Automatic Transfer: Have funds transferred between your accounts to make loan payments or build savings. ACH (Automated Clearing House): Electronic bill payment adds convenience and reliability. E-Banking Solutions: Enjoy access to real-time account information from the convenience of your computer or your telephone.