Personal Banking Made Simple

 

Citizens First Bank offers checking accounts that offer benefits to make your money easier to manage. Compare the accounts below or talk with one of our Customer Service Representatives to decide which is right for you.

Compare Personal
Checking Accounts

Free Checking

Choice Checking

Gold Checking

Smart e-Checking
Powered by Bancvue

 
This account is perfect for those seeking the basics; including debit card access, online banking, mobile banking, and telephone banking.
For those seeking convenience with the ability to earn interest and benefits for your combined banking relationship.
For those age 50 or better, enjoy earning interest while receiving benefits designed for your lifestyle.
Where technology meets everyday life, this account earns interest with just a few steps that you may already be doing.

Online, Mobile, and Touchtone 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 Tool

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.

Yes
 Click here for
current rates.

Free cashier's checks, money orders

 

Yes

Yes

 

Free personal basic checks

 

 

Yes

 

Preferred rates for new personal loans5

Yes

Yes

Yes

Yes

Pricing and Features

Free Checking

Choice Checking

Gold Checking

Smart e-Checking
Powered by Bancvue

Min to Open

 $100

 $100

 $100

 $100

Monthly Fee

$0

$81
$0 when at least $5,000 kept in any combination of personal loans principal balance or deposit account average daily balance.

$0

$0

Debit Card
Transaction Fee Other Banks' ATMs

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 five (5) per month. (Waived for students).

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 five (5) per month.

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 “qualifying period”4, we will automatically refund domestic ATM fees of up to $4.99 per item and up to $25.00 per statement cycle. For individual ATM fee refunds over $4.99, please contact a Customer Service Representative.

Details

See a Customer Service Representative for full account disclosures.

See a Customer Service Representative for full account disclosures.

See a Customer Service Representative for full account disclosures.

Smart e-Checking  Qualifications

- Ten Debit Card purchases post and settle per “qualifying period”4 excludes ATM transactions

 

- Two electronic transactions post and settle per “qualifying period” 4

 

- Log in to Online Banking or Mobile Banking once per
“qualifying period” 4

 

- Receive Periodic Statement Electronically

 

Click here to view the Smart e-Checking 2015 cycle calendar.

 

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™.  iPhone and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc.  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. Qualifying Period: The interval beginning one business day prior to the start of the current statement cycle through one business day prior to the close of the current statement cycle.  5. Loan products subject to eligibility requirements and normal credit approval.