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Cash Management

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Most businesses have cycles where they have excess cash. Access to this cash is also very important. A Citizens First Bank savings account helps to ensure that your business cash is earning interest at all times.

	Business Index Money	Market Business Savings
Description	An account that earns market rates with easy accessibility	An account for routine savings needs
Minimum to Open	$1,000	$50
Pays Competitive Interest	Tiered rates (Current Rates)	Yes (Current Rates)
Monthly Fee	No fee when you keep an average daily balance of $1,000 for the monthly period Or, $8.00	No fee when you keep an average daily balance of $50 for the monthly period Or, $3.00
Withdrawals	Withdrawals are limited to 6 per month with no more than 3 by check. $15.00 Fee per withdrawal over limit Unlimited in-person withdrawals*	Unlimited in-person withdrawals*
Additional Free Benefits	Free Check Safekeeping Citizens Touch-Tone Banking Basic Checks	Citizens Touch-Tone Banking
Money Market account fees are subject to Iowa state and local option sales tax. *Debit transfers by preauthorized, automatic, or telephone transfer are limited to six per month.

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