Protecting Children's Online Privacy

We recognize the importance of protecting the privacy of children online, and we comply with the requirements of the Children’s Online Privacy Protection Act that are applicable to us. We do not knowingly collect personal information from consumers under the age of thirteen.


The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to and which knowingly collect information from children under the age of 13. Citizens First Bank does not knowingly solicit individually identifiable personal information from or about children online and does not knowingly market our products to children online. We fully support protecting children’s identities and privacy online and recognize the responsibility to do so rests with both the online industry and with the parents.


For additional information on COPPA protections, link to the Federal Trade Commission's website at . For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.



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Check out the American Banker's Association's website too!


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Where does money come from?

Each country, including the United States, makes its own money. The factory where our money is manufactured is called the mint. It's headquartered in Washington, D.C. There are also locations in Philadelphia, Denver, San Francisco and West Point, New York. You and your family are able to visit the mint any weekday for free. If you do, you'll see how coins are cast and paper money is printed. You will also see how old bills are destroyed.


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What is money made from?

Did you know that U.S. paper money has no wood fiber in it at all? The paper used in U.S. currency is made of 75 percent cotton and 25 percent linen. It also has tiny blue and red silk threads embedded in it. The paper is made by Crane and Company, Inc. and has been made by them since 1879. The formula is a secret, but one thing they will tell you is that it is made out of denim scraps. The same material that goes into your jeans!


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Where do you keep all the money?

The money is kept in a secured vault, which is locked at all times.


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How does money grow?

When you deposit your money into most banks, you will get something called Interest. Interest is like a reward for saving your money!


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Why should I save money?

There are many reasons why you should save your money.


  • College - with the rising costs of higher education, saving your money now would help in the future.
  • An Automobile - new or used, all students dream of the freedom of owning their own car.
  • Fun Money - from clothes to music to video games, you may have your eye on that special something.
  • Summer Vacations - in school or with friends, you may have the opportunity to travel.
  • A Rainy Day - you may just like to save and see your money grow! Saving is a rewarding and valuable lesson to learn!


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Saving Tips

Collect your coins in a piggy bank or jar, and when it gets full, bring in the loose change you saved and deposit them into your savings account. The bank will use a coin machine to count the coin for you.

You will be surprised to see how fast those coins add up!

When you receive money from family or friends as a gift or for doing chores, put it right into your savings account where it will get added to your other money you have saved. You will be able to buy yourself something you have always wanted!

Doing chores around the house can also be a great way to put money into your savings account. It is a rewarding way to make sure your hard work helps you reach your savings goal!


Four Reasons To Put Your Money Into a Bank:


  1. Banks Are Safe
    If you put your money in a bank, you can get it back. All banks are insured. To learn more about how your money is protected click on the image>> !
  2. Banks make your money grow
    In exchange for allowing the bank to lend your money to other customers, most banks pay you money, called interest.
  3. Banks Offer Helpful Services
    You probably won’t be able to use most of these financial services now, but you will when you’re a little older. These include investment programs, loans, special savings plans, and automated teller machines (ATMs).
  4. Banks Make It Harder for You to Get Your Money
    If you keep your savings at home, you might be tempted to spend some or all of it. When your money is in a bank, you’ll think twice before spending it.


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Student Loan Resources

The links below are just a few that may help you find information to fund college:


  • Federal Stafford loans are fixed-rate student loans for undergraduate and graduate students attending college at least half-time. Stafford loans are the most common and one of the lowest-cost ways to pay for school. Click here to learn more about Stafford Loans.
  • Federal Student Aid, an office of the U.S. Department of Education, ensures that all eligible individuals can benefit from federally funded or federally guaranteed financial assistance for education beyond high school. We consistently champion the promise of postsecondary education to all Americans —and its value to our society.Click here to learn more about Federal Student Aid. 


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Fun Links

Inside the White House

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