Business Cash Management Courier Service Online Banking
Business Debit Card Debit Card Falcon® Fraud Protection Debit Card BOLT$ App
Reorder Business Checks TouchTone Banking Visa® Gift Cards
Bank-by-Mail Direct Deposit Safe Deposit Boxes
Money Orders and Cashier's Checks Wire Transfers Citizen Ready Cash
Loans Other  



Business Cash Management

Bank businesses to bank 24 hours a day / 7 days a week in a secure environment tailored to meet the needs of each commercial customer.




Courier Service

This unique service features secure deposit pickup and cash delivery to your business. With Citizens First Bank’s Express Courier, you can spend more time running your business and less time running to the bank.




Online Banking and Bill Pay & Presentment

Citizens First Bank gives you instant access via the Internet to your bank accounts. Pay bills, view account information and transfer funds in real-time with Citizens Online Banking. Click here to view details in our online banking disclosure.


*A monthly fee of $5.50 applies to Online Bill Pay and is waived when two or more bills are paid using the service during a calendar month. We will automatically deduct this service fee from your Citizens First Bank account.




Business Debit Card

Tired of sending employees out with cash or checks? Use your Citizens First Bank Business Debit Card any place that accepts Debit MasterCard®. The amount is deducted directly from your business checking account. You control the use of the card and can set up restrictions.



Unlimited free transactions at CFB ATMs. Five free transactions at non-CFB ATMs, however 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.



If your Citizens First Bank Debit Card is lost, worn, compromised...or you would like to begin enjoying the convenience of can get one while you wait. Don't go without Debit Card convenience, just stop by one of our branches and speak with one of our customer service representatives today! No more waiting for the mail and no activation call.



Debit Card Falcon® Fraud Protection
Citizens First Bank values the trust you have placed with us and include the Falcon service to protect your debit card from fraud. Call 866-508-2693 to report unauthorized debit card activity.
If Falcon detects suspicious activity on your debit card, you will be contacted by a Shazam representative calling on our behalf to verify the transaction in question. It is very important that your current contact information is on hand at Citizens First Bank to ensure that you can be reached promptly if fraudulent activity is suspected.

The phone call will come from a live person, never a recording. The caller will never ask for personal information such as your social security number, debit card number, PIN, etc. Always use caution when providing your personal and debit card information and contact us immediately if you suspect your debit card has been stolen or compromised.


Many of the fraudulent transactions are done over the internet or internationally. If you will be traveling in the United States or abroad, please contact Citizens First Bank and let us know the dates and locations. This will help in recognizing which transactions may be legitimate versus fraudulent.

Click here for more information about Falcon Fraud Protection




Debit Card Free Personal Alert App ServiceSHAZAM_BOLT$

For the world’s best fraud analyst - you! When suspicious activity occurs, nobody is better equipped to handle the case than you. Now we are providing the service you need to help protect your accounts. After all, you know what you’ve purchased, and you can spot an illegitimate purchase instantly.


With Citizens First Bank’s FREE SHAZAM BOLT$ App Service, you can automatically receive email alerts 24/7 whenever a debit card purchase is made where your card is not present, such as telephone or Internet orders on your smartphone, tablet, or home computer. You’re also notified when potentially fraudulent activity occurs, including purchases for large amounts or transactions in foreign countries. You’ll know right away whether the purchases are you can call immediately and put a stop to any fraud! You can also check your debit card account balance anytime, anywhere.


Get the SHAZAM BOLT$ App at iTunes, Google Play or go to


Sign-up at no cost to you!


Click here for more information about SHAZAM BOLT$






TouchTone Banking

Your Citizens First Bank account can be conveniently accessed 24 hours a day, 7 days a week over the telephone. Safe and secure, customers access accounts through a personal ID. Features and functions include account balance, account information inquiry, funds transfer, loan payments, and more. No application is necessary for this service. Dial the Citizens TouchTone Banking phone number: 1-800-584-8792.






For added convenience, Citizens First Bank’s Bank-by-Mail service allows you to make deposits to your account without having to go to the bank.




Direct Deposit

With direct deposit, you can have most forms of regularly scheduled income payments automatically transferred, upon your authorization, to any of your Citizens First Bank checking or savings accounts. This is ideal for payroll checks, interest payments, and government payments.




Order Checks

Business account holders can order via phone at 1-877-838-5287 or online at Order Deluxe Business Checks   






Convenient Visa® Gift Cards

A Convenient Visa® Gift Card is more flexible than a gift certificate and safer than cash. It's the perfect gift that is great to get and so easy to use!

  • The gift card is a prepaid card that looks like a Visa® card but has a set dollar amount limited to the amount of money placed on the gift card by the purchaser. The gift card will be activated at the time of purchase.
  • You can register your gift card to enable you to use your card to make purchases over the telephone and on the internet. Registering will also allow you to request a replacement card should yours become lost or stolen. Register your card at or by calling 1-800-486-0292.
  • The gift cards can be purchased at any of our convenient Citizens First Bank locations.
  • Cards may be purchased for amounts between $10 and $500 and there is a $3 charge to purchase each gift card.

To report a lost or stolen Convenient Gift Card after hours, call 1-800-486-0292

Issued by First Century Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc







Safe Deposit Boxes

Citizens First Bank offers a variety of safe deposit boxes for your valuables and important documents. Contents of safe deposit boxes are not insured by the FDIC.




Money Orders and Cashier's Checks

When you need to send your money or when cash is not accepted for a large purchase, a Citizens First Bank money order or cashier's check is the safe, convenient substitute.




Wire Transfers

Whenever it becomes necessary to directly transfer funds from your Citizens First Bank account to a domestic and/or foreign bank, we can assist you with wire transfers. These electronic transfers make funds quickly available to the recipient and can be arranged at each of our offices. Please call for current wire transfer information.




Citizens Ready Cash

Citizens First Bank Ready Cash is a pre-approved line of credit attached to your checking account to cover overdraft.





Borrow the money you need for your business and operational purchases. Subject to credit approval. Visit Business Loan Services for more information.






Citizens First Bank offers the following other products and services. Please stop by our office or contact us for more information.

  • Check Cashing
  • Coin Counting
  • Foreign Currency Orders
  • Notary Service