Citizens First Bank

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No matter what you're saving for, Citizens First has the account.

	Citizens Index Money Market	Basic Savings
Description	An account that earns market rates of interest with easy accessibility	An account for routine savings needs
Minimum to Open	$1,000	$50 (waived for students, seniors, & custodial accounts)
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 (waived for students, seniors, & custodial accounts)
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* Unlimited free transactions at CFB ATMs 5 Free transactions at non-CFB ATMs** Each additional 50¢ (waived for students, seniors, & custodial accounts)
Additional Free Benefits	Citizens Cash Card Touch-Tone Banking Check Safekeeping Basic Checks Internet Banking	Citizens Cash Card Touch-Tone Banking Internet 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. *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.

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