Citizens First Bank Announces Enhancements to Mobile App  | March 28, 2017


Clinton, Iowa — Citizens First Bank offers the fraud-alerting mobile app SHAZAM BOLT$ to our cardholders.  The latest enhancements to the app kick fraud safety up a notch, by allowing cardholders to block and unblock their debit card with the easy tap of a button, halting fraud attempts more quickly.  Additionally, a new text message alert has made the app more convenient than ever.


The BOLT$ app allows debit cardholders to check balances, receive fraud alerts and locate ATMS using GPS technology. SHAZAM BOLT$ notifies cardholders of potentially fraudulent activities, 24 hours a day, 7 days a week, for the following:

  • Purchases exceeding cardholder-defined thresholds
  • Card-not-present debit transactions via phone, Internet or mail
  • Suspicious or high-risk transactions


The SHAZAM BOLT$ Transaction Control feature is one of several enhancements to the mobile app, making this a must-have for cardholders. Here’s how Transaction Control works: when a debit card is lost or stolen, the cardholder can immediately block his or her account within the app. If a cardholder misplaces his or her card or leaves it behind at a restaurant, he can pause the account until the card is found, and then turn it back on. In these situations, the cardholder can temporarily block then unblock their debit card, rather than cancel it.

“The new features are wildly popular with our customers since their debit card ties directly into their checking accounts. When it comes to debit cards, consumers are very sensitive to fraud.” said Judy Leonard, Retail Banking Officer at Citizens First Bank.  Leonard continues, “We encourage anyone to ask our customer service representatives about the BOLT$ app to learn more.  And best of all, it’s free!”

SHAZAM BOLT$ is a comprehensive fraud-prevention service, alerting cardholders directly to potentially fraudulent activity on their accounts. The alerts are generated any time a suspicious purchase is detected, based on purchases above amounts specified by the cardholder, card-not-present transactions and suspicious or high-risk transactions.   These alerts are now available via text message to your cell phone.


About Citizens First Bank

Chartered in 2000, Citizens First Bank has been playing an important role in community banking. Citizens First Bank products provide customers with effective, locally owned banking choices, latest technology, and services expertise. Headquartered at 1442 Lincoln Way in Clinton, Citizens First Bank also has branches at 403 South Washington Boulevard in Camanche and at 1329 N 2nd Street, Clinton.

About the SHAZAM Network

The SHAZAM Network is a member-owned financial services company providing choice and flexibility to community financial institutions throughout the U.S. since 1976. SHAZAM is a single-source provider of the following services: debit card, core, fraud, marketing, merchant and more. To learn more visit and follow @SHAZAMNetwork.


Citizens First Bank Donates Finance Curriculum | Clinton Herald | January 31, 2017


Clinton, Iowa — Citizens First Bank is donating the Ramsey Solutions’ Foundations in Personal Finance curriculum to Camanche Middle School. Foundations in Personal Finance is the premier curriculum for teaching financial literacy to students.

“We are proud to partner with Camanche Middle School to help educate and reinforce sound principles for managing money,” President Kathy Forrest said.


Personal finance expert Dave Ramsey created Foundations in Personal Finance, an easy-to-use, turn-key school curriculum that teaches students the value of saving, spending and giving to guide them down the path of financial literacy.


Foundations in Personal Finance utilizes a blended learning model that meets standards and benchmarks in all 50 states and Jump$tart national standards. It has been taught in more than 10,000 schools and educational institutions.

For more information or to sponsor a Foundations in Personal Finance class in your area, go to


Citizens First Bank Announces Calendar Contest Winners | November, 2016


Clinton, Iowa — Citizens First Bank has announced the winners of its 2017 calendar photography contest. The calendar cover photo was taken by Beth Wiersema of Fulton. Other winning local photographers include: Eva Hinrichsen, Dave Foster, Stephanie Melvin, Lori Pranger, Linda Dutchess, Bonnie Hufford, Juliana Sabo, Alisha Bersch, Leslie Harridge, Cindy Ugarph, and Kati Heysinger.


Citizens First Bank held to contest over the summer encouraging local photographers from all levels of expertise to submit images of nature, buildings, landmarks and community events in Clinton and surrounding areas. A photographer’s reception was held to honor all winners recently. Images are posted on the bank’s Facebook site:


“This is the first year we have organized a calendar photo contest, and we were very impressed by the number and quality of entries we received,” said Paula Mayer, marketing director for Citizens First Bank. “The calendar is a great way to highlight the scenic beauty of the local area and the communities we serve.”


Copies of Citizens First Bank’s 2017 calendar are available at all Citizens First Bank locations: 1442 Lincoln Way and 1329 N 2nd St in Clinton as well as 403 S Washington Blvd in Camanche.


Citizens First Bank and ICBA Offer Tips to Help Students Handle Credit Wisely  | August 17, 2016


Clinton, Iowa — As college students head back to school, and with a growing number of them planning to use credit cards during the school year, Citizens First Bank and the Independent Community Bankers of America® (ICBA) encourage all students to be responsible when using their credit cards so they can maintain their finances and build a solid credit history.

"As college students work toward their professional goals by obtaining degrees, we urge them to also consider their financial futures by avoiding excess spending that may cause them substantial credit risk," Kathy Forrest, President and CEO of Citizens First Bank, said. "Credit plays a large role in helping students achieve their future personal and professional goals, so it’s important to use credit wisely now in order to obtain a solid credit history—making it easier to buy a car, home, or even rent after college."

The best protection against getting deeply in credit card debt is knowing the pitfalls and how to avoid them. Citizens First Bank and ICBA offers the following tips to help students use credit cards wisely:

  • Set up and follow a budget that includes paying off a credit card balance.
  • "Maxing out" or charging up to your card's credit limit can make sticking to your budget more difficult and negatively affects your credit score.
  • Pay on time, every time. Whenever possible, pay more than the minimum payment owed to pay off the balance faster and save on finance charges.
  • Keep records of your account number, expiration date and the phone number of your card issuer in a safe place.
  • Keep your account information confidential.
  • Never give out your credit card number, card verification number or expiration date over the phone, unless you initiated the call and know who you're dealing with.
  • Consider making your credit card payment online to ensure it is received by the monthly due date.
  • Routinely access your account information online to track your spending and to quickly identify fraudulent transactions. If you see a transaction that is not yours, notify your card issuer immediately.
  • If there's an error on your account, report it immediately by notifying your card issuer.
  • Keep a copy of your sales receipts so you can compare what you bought with the charges on your credit card statement.
  • When making online transactions, be sure the site is secure. Don’t let others watch you enter your card information.
  • Don’t lend your credit card to anyone. Ever!
  • If you move or travel outside of the country, notify your card issuer immediately.

"We encourage students interested in learning more about credit cards and how to manage their credit, to talk to their local community bank whether in your hometown or near your college campus," Forrest said.


Community Banks Help Main Street Thrive  | April, 2016


Washington, D.C. — During ICBA Community Banking Month, the Independent Community Bankers of America® (ICBA) celebrates Citizens First Bank and the nation’s more than 6,000 community banks, which build stronger communities by helping local customers gain financial stability through quality products and services and access to financial literacy information and tools.


“Community banks are locally owned and operated financial institutions that take in local deposits and lend them out locally in the form of loans to customers, farmers and small business owners. Many times, community banks are family owned and have served their community for generations,” said ICBA Chairman and third-generation community banker Rebeca Romero Rainey, chairman and CEO of Centinel Bank of Taos, N.M. “Community banks exist to serve the needs of their customers and communities and make their Main Streets thrive one loan at a time.”


Community banks are relationship lenders that flourish when their customers and communities do the same. Taking care of customers and looking out for the best interest of local communities is inherent to the relationship lending business model that is unique to community banking.

Below are some fun facts about community banks.

  • Community banks constitute 96 percent of all banks!
  • There are more than 600 counties—almost one out of every five U.S. counties—that have no other physical banking offices except those operated by community banks.
  • There are more than 51,000 community bank locations nationwide.
  • Community banks hold more than $3.8 trillion in assets, $3.1 trillion in deposits, and $2.6 trillion in loans to consumers, small businesses and the agricultural community.
  • Community banks employ 700,000 Americans and create countless jobs thanks to their role in lending to small businesses and agricultural enterprises.
  • Community banks make more than 50 percent of small business loans.
  • Community banks make 90 percent of agricultural loans.
  • More than 2,500 community banks have been in business for more than 100 years.
  • The oldest community bank is in Rhode Island. It’s 215 years old, which means that it opened the same year that John Adams was elected president and Volta created the first modern battery!


“Citizens First Bank is honored to serve the lending needs of Clinton and surrounding communities. We care about our customers and are dedicated to helping our local residents and town thrive,” said Kathy Forrest, President and CEO, Citizens First Bank. “We appreciate the opportunity serve our customers and to celebrate community banking here, as well as in communities across the nation, and spread the positive story of our industry and the communities we serve.”






See all that is happening in our community and list your own community event for free at the Clinton Convention and Visitors Bureau website:


April 2017

April 11th  FREE COIN APPRAISAL | At CITIZENS FIRST BANK | 1442 Lincoln Way | 10am - 3pm

Bring your old coins, paper money, and gold jewelry and an expert will tell you what they are worth.  Reservations not required, you will be seen on a first come first serve basis.  Please do not clean coins!


April 15th  CITIZENS FIRST BANK FREE COMMUNITY SHRED DAY | 1442 Lincoln Way | 9am - 11am
Citizens First Bank will provide free personal document shredding to the community on Saturday, April 15th. The event will take place from 9:00am-11:00am at Citizens First Bank’s 1442 Lincoln Way, Clinton, office. Watch for signs and traffic direction.

Identity theft and fraud protection are as important as locking the doors to your house or vehicle. The community is welcome to bring their personal data for confidential destruction. Anything that may contain personal identifying information such as Social Security numbers, address, date of birth or passwords should be shredded to avoid personal issues such as identity theft or fraud. Types of items that should be shredded include: cancelled checks; check registers; bank statements or receipts; loan documents; mortgage documents; brokerage statements; school records; credit card, mortgage and finance solicitations; credit card statements, contracts, personal business papers, and credit applications. This service is intended for individuals, no businesses please.