Order Checks

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



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. Intere$t Reward$ 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.



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.




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