Citizens First Bank offers checking accounts for whatever your needs are. We feature no-fee, relationship, and interest bearing checking accounts. Find the one that is right for you.
|
|
| Description |
An account that eliminates the worry of monthly maintenance fees |
An account with added benefits for your loan and deposit relationships |
A free checking account with benefits for customers 50 years old or better |
A free checking account that rewards you for electronic banking** |
| Minimum to Open |
$100 |
$100 |
$100 |
$100 |
| Minimum Balance |
No minimum |
No minimum |
No minimum |
No minimum |
| Pays Competitive Interest |
No Interest |
|
|
|
| Monthly Fee |
No fee |
No fee when you keep at least $5,000 in any combination of consumer loans or deposits
Or, $8.00 |
No fee |
No fee |
| Unlimited Check Writing |
Yes |
Yes |
Yes |
Yes |
| Checks |
Fee depends on check style |
First order of basic checks free |
All orders of basic checks free |
Fee depends on check style ordered |
Citizens Cash Card
ATM Card |
$10 Annual fee
Unlimited free transactions at CFB ATMs
5 Free transactions at non-CFB ATMs*
Each additional 50¢ (waived for students)
|
Free
Unlimited free transactions at CFB ATMs
5 Free transactions at non-CFB ATMs*
Each additional 50¢
|
Free
Unlimited free transactions*
|
Unlimited free transactions*
ATM refunds up to $25 per cycle and $4.99 per item if requirements are met.
|
Citizens Check Card
Debit Card |
Free
Unlimited free transactions at CFB ATMs
Unlimited free transactions at merchants
5 Free transactions at non-CFB ATMs*
Each additional 50¢ (waived for students)
|
Free
Unlimited free transactions at CFB ATMs
Unlimited free transactions at merchants
5 Free transactions at non-CFB ATMs*
Each additional 50¢
|
Free
Unlimited free transactions*
|
Free
Unlimited free transactions at CFB ATMs
ATM refunds up to $25 per cycle and $4.99 per item if requirements are met.
|
| OOPS!™ Occasional Overdraft Privilege Service |
A discretionary service |
|
A discretionary service |
A discretionary service |
| Citizens Ready Cash Overdraft Protection |
Subject to approval |
Subject to approval |
Subject to approval |
Subject to approval |
| Transfer Overdraft Protection |
Transfer from another CFB account.
$2 transfer fee, $100 increments. |
Transfer from another CFB account.
$2 transfer fee, $100 increments. |
Transfer from another CFB account.
$2 transfer fee, $100 increments. |
Transfer from another CFB account.
$2 transfer fee, $100 increments.
|
| Additional Free Benefits |
Touch-Tone Banking
Internet Banking |
Cashier's Checks
Travelers Checks
Touch-Tone Banking
Internet Banking
Money Orders
Image Checks
Photocopies |
Cashier's Checks
Travelers Checks
Touch-Tone Banking
Internet Banking
Money Orders
Image Checks
Photocopies |
Internet Banking
Touch-Tone Banking |
Account fees are subject to Iowa state and local option sales tax.
*When using an ATM not owned by CFB, you may be charged a fee by the ATM operator or network. A fee may be charged for a balance inquiry even if you do not complete a transfer.
**Citizens Smart e-Checking Requirements — 4 Free and Easy Requirements per cycle:
-
10 Debit Card Transactions, excluding ATM transactions
-
Two electronic transactions such as Direct Deposit, Online Bill Pay, ACH Auto debit
-
Access Online Banking, providing your valid email address
-
Receive Electronic Statement (future availability)
|
