Online Banking Mobile Banking Debit Card
Debit Card Falcon® Fraud Protection Debit Card BOLT$ App Online Statements
FinanceWorks (Personal Financial Management) Reorder Personal Checks TouchTone Banking
Free Image Checks ATM Card VISA® Gift Cards
OOPS! (Occasional Overdraft Privilege Service) Bank-by-Mail Direct Deposit
Safe Deposit Boxes Money Orders and Cashier's Checks Wire Transfers
Citizen Ready Cash Loans Other


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. To view details of this service see our online banking disclosure Click here>>.  To view a demo of Online Banking and Bill Pay Click here>>.


*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.



Mobile Banking Solutions

With Citizens First Bank’s Mobile Banking solutions you can access your deposit accounts anytime, anywhere by using a text message, your phone's mobile web browser or our free iPhone, iPad, and Android Apps.



Text Message Banking
For all text enabled phones

Mobile Website
For devices with
mobile browsers

Mobile Apps
iPhone, iPad,
Android, Kindle
FREE!* Mobile Mobile Mobile
View Account Balances Mobile Mobile Mobile
View Transaction History Mobile Mobile Mobile
Transfer Funds Mobile Mobile Mobile
Pay Bills    Mobile Mobile
Find Locations/ATMs   Mobile Mobile
Time needed to get
balance anywhere
< 10 secs Approx. 25 - 30 secs Approx. 20-25 secs



Text Message Banking*

Receive instant account information by sending text-based commands from your cell phone. Get account balances and receive recent transaction history without having to log in.

Just text a short command to 454545, and you will quickly receive the information you want. Click here to view some of the requests you can make with Text Message Banking

How to Enroll

To enroll in Citizens First Text Message Banking, you must first log in to Citizens First Bank’s Online Banking, go to "My Profile" found in the upper right corner of the Online Banking page, and then click on Alerts & Notifications to set up Text Message Banking.

Want more information? Click here for our Mobile Text Banking Frequently Asked Questions (FAQs). To view a demo of Mobile Text Message Banking click here.

*Message and data rates may apply from your wireless carrier.



Mobile Web Banking*

Mobile Web Banking is simple and secure. Simply log in to your Online Banking account from your mobile device web browser at using your same User ID and Password.

Want more information? Click here for our Mobile Web Banking FAQs. To view a demo of Mobile Web Banking click here.

*Message and data rates may apply from your wireless carrier.



Mobile Applications

Download our FREE app and utilize the built-in functions of your iPhone®, iPad®, Android™, or KindleFire™ to provide a more in-depth, customized mobile banking experience.


Want more information? Click here for our Mobile App Banking FAQs. To view a demo of Mobile App Banking click here.






Debit Card

Tired of writing checks? Use your Citizens First Bank Debit Card any place that accepts Debit MasterCard®. The amount is deducted directly from your checking account. In addition, it can be used at ATMs to check account information, make withdrawals or deposits, or transfer funds between your accounts.


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$  







Online Statements 

Enjoy the safety, convenience, and privacy of receiving your monthly Citizens First Bank statement electronically through Citizens First Bank’s Online Statement option!


Save time, view your statement the day after it is generated, reduce paper clutter, improve your peace of mind knowing your financial information is on a secure online site, and manage your account better with your statement history stored securely online.

Click here for more information  



Do you REALLY know how much you spend on gas, groceries, shopping and eating out each month? Get your complete financial pictures from Citizens First Bank's Online Banking.  FinanceWorks automatically categorizes your expenses allowing you to get a more complete picture of your spending—in just minutes! With an easy-to-read snapshot of your finances, you will be able to see where your money is going and identify places to save!


To get started, just login to Citizens First Online Banking with your User Name and Password and then click "FinanceWorks." It's that easy!



Order Checks

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




TouchTone Banking

Your Citizens First 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.



Free Image Checks

Your monthly bank statement will record all your deposits and withdrawals. Images of all your cancelled checks are included with Choice and Gold Checking accounts. Smart e and Free Checking accounts have the option to receive images for a monthly fee. Citizens First Bank will provide you with a binder to keep your statements handy and organized. If you desire less paperwork, you may decline to receive check images. Citizens First Bank will keep computerized copies of checks for you. If you ever have a question or need a copy for proof of payment, simply call the bank. We will be glad to provide a copy for you.




ATM Card

Your Citizens ATM Card provides access to your account 24 hours a day at ATMs to check account information, make withdrawals or deposits, or transfer funds between your accounts. Citizens First Bank is also a participating Shazam® Privileged Status financial institution, which allows our customers to use ATMs of other participating Privileged Status financial institutions without paying surcharge fees. These ATMs are located all over the country. Click here to view a list.


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.



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




OOPS! (Occasional Overdraft Privilege Service) A discretionary service

In the event of non-sufficient funds in your account we will consider, without obligation on our part, payment of your reasonable overdrafts on checks, automatic bill payments and other transactions made using your account number; up to your assigned Overdraft Privilege Limit. You can authorize us to pay your everyday debit card transactions and ATM withdrawals by reviewing, printing, and either returning the completed "Overdraft Services Disclosure and Consent Form" to one of our branches or mailing the completed form to Citizens First Bank, 1442 Lincoln Way, Clinton, IA 52732. If you would like to know more concerning the Occasional Overdraft Privilege Service please contact a Customer Service Representative at 563-243-6000 or 1-877-902-1442.


For more information, see OOPS! Policy 




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, Social Security and other government payments.



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 personal money order or Citizens First Bank cashier's check is the safe, convenient substitute. Fees may apply.



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 protect you from overdrawing your account.




Borrow the money you need and budget your monthly payments for purchases such as a new home, a home improvement project, a new vehicle, or a vacation. Subject to credit approval. Visit Personal 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