Online Banking Mobile Banking Online Statements
FinanceWorks (Personal Financial Management) Reorder Personal Checks TouchTone Banking
Free Image Checks Debit Card 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. Click here to view details in our online banking disclosure. Click here to view a demo of Online Banking and Bill Pay.

 

*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
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) or click here to view a demo of Mobile Text Message Banking.

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

 

 

Mobile Web Banking*

Mobile Web Banking is simple and secure. Just log on to www.bankatcfb.com using your existing Online Banking User ID and Password and your phone's web browser.

Want more information? Click here for our Mobile Web Banking FAQs. Click here to view an overview of Mobile Web Banking.

*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®, or Android™ to provide a more in-depth, customized mobile banking experience.

 

iPhone®

Android™

iPad®

 

Want more information? Click here for our Mobile App Banking FAQs. 
Click here to view a demo of Mobile iPhone App Banking.
Click here to view a demo of Mobile Android App Banking.

 

 

 


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.

 

 


 

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 one...you 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.

 

 


 

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 www.convenientcards.com 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 

 

 


 

Bank-by-Mail

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.

 

 


 

Loans

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.

 

 


 

Other

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