Personal Banking That Reward$ You

 

Citizens First Bank offers checking accounts that reward you for being you. Compare the accounts below or talk with one of our Customer Service Representatives to decide which is right for you.

 

To view our Reward$ Checking Qualification Cycle Calendar Click Here>>>

Compare Personal
Checking Accounts

Ba$ic Checking

Ca$h Reward$ Checking

Plu$ Reward$ Checking

Intere$t Reward$ Checking

Account
Overview

Ba$ic Checking is perfect for simple every day banking.
Ca$h Reward$ Checking offers the ultimate banking convenience combined with paying you cash back on debit card transactions.
Plu$ Reward$ Checking rewards those 50 years of age or better by offering interest on your account and some additional benefits.
Intere$t Reward$ Checking puts your money to work for you by paying higher interest on your balance.

Online and 
Mobile Banking2

Yes

Yes

Yes

Yes

Bill Pay3

Yes

Yes

Yes

Yes

Account email and text alerts2

Yes

Yes

Yes

Yes

Online Statements

Yes

Yes

Yes

Yes

Online Personal Financial  Management Tools

Yes

Yes

Yes

Yes

CFB Debit Card

Yes

Yes

Yes

Yes

Free Debit Card transactions at merchants and CFB ATMs

Yes

Yes

Yes

Yes

Pays Interest

 

 

Yes
 Click here for
current rates.

Yes
 Click here for
current rates.

Free cashier's checks, money orders

 

 

Yes

 

Free personal basic checks

 

 

One box per year.

 

Pricing and Features

Ba$ic Checking

Ca$h Reward$ Checking

Plu$ Reward$ Checking

Intere$t Reward$ Checking

Min. to Open

 $100

 $100

 $100

 $100

Monthly Maintenance Fee

$51

$0

$51

$51

Steps to Avoid
Monthly
Maintenance Fee

To avoid the monthly maintenance fee you must:


Maintain an average daily balance4 of $400.00 OR have four (4) electronic transactions post and settle per monthly statement cycle.


Students through age 26 with five (5) debit card purchases that post and settle per monthly statement cycle (excludes ATM withdrawals).

 

To avoid the monthly maintenance fee you must achieve TWO of the following per monthly statement cycle:


• Two (2) electronic transactions  post and settle per monthly statement cycle

• Ten (10) debit card purchases post and settle per monthly statement cycle (excludes ATM withdrawals)

• Maintain a $500.00 average daily balance4 for the monthly statement cycle

• Maintain a savings or Money Market account with an average daily balance4 of $1,000.00 for the monthly statement cycle.

Must qualify
(see qualifications below)

Transaction Fees

None

A per check fee of $.251 will be imposed for check transactions in excess of four (4) per monthly statement cycle.

None.

None.

Pays Interest

    Yes. See rate sheet. Yes. See rate sheet.
Personal Checks

Fee depends on style of check ordered.

Fee depends on style of check ordered.

One free order of basic checks per year.

Fee depends on style of check ordered.

Debit Card
Transaction Fee 
at ATMs

Unlimited no fee transactions at merchants and CFB ATMs.


Students through age 26 that have at least five (5) debit card purchases that post and settle per monthly statement cycle (excludes ATM withdrawals), will automatically be reimbursed for ATM fees up to $5.00 per monthly statement cycle.

Unlimited no fee transactions at merchants and CFB ATMs. An ATM withdrawal fee of $.501 will be charged for each non CFB ATM withdrawal in excess of four (4) per monthly statement cycle.

Unlimited no fee transactions at merchants and CFB ATMs.

Unlimited no fee transactions at merchants and CFB ATMs. If you meet all qualifications for the monthly statement cycle, we will automatically refund ATM fees of up to $4.99 per item and up to $15.00 per monthly statement cycle. For individual ATM fee refunds over $4.99, please contact
a Customer Service Representative.

Other Account Details and Benefits

See a Customer Service Representative for full account disclosures.

Ca$h Reward$


• You will receive a cash back reward of $.25 per debit card purchase that post and settle to the account, up to $5.00 per monthly statement cycle (excludes ATM withdrawals)
• You will receive a reward of $5.00 per monthly statement cycle if 50 debit card purchases post and settle per monthly statement cycle
• If you are a new checking account customer, you will receive a one- time bonus of $25.005 if both of the following qualifications are met within the first 60 days of opening the account:

1. Twenty-five (25) debit card purchases post and settle to the account (excludes ATM withdrawals),
2. Three (3) electronic transactions post and settle to the account

See a Customer Service Representative for full account disclosures.

Receive free Money Orders, Cashier’s Checks, and Image Checks.

See a Customer Service Representative for full account disclosures.

Intere$t Reward$
Qualifications


• Twelve (12) Debit Card purchases post and settle per monthly statement cycle (excludes ATM transactions).
• Two (2) electronic transactions post and settle per monthly statement cycle.
• Receive monthly statement electronically

See a Customer Service Representative for full account disclosures.

1. Subject to Iowa State and Local sales tax.   2. Message and data rates may apply from your wireless carrier.  Mobile App Banking is for iPhone®, iPad®, or Android™ and Kindle Fire   iPhone and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc. Amazon, Kindle, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates. 3. Online Bill Pay monthly fee of $5.50 is waived when two or more bills are paid using the service during a calendar month.  4. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 5. Limited to one bonus per customer.