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Citizens First Bank > Products > Personal Banking > Checking & Savings > Checking
Checking
Checking  | Savings

E- Checking

A checking account that offers customers convenience and flexibility utilizing electronic services.

 

  • Minimum opening balance of $50
  • No monthly maintenance fee.
  • Pays interest on daily collected balances over $2,500. Click here for rates.
  • No charge for the first 10 checks written each month; $0.30 per check over 10.
  • Direct deposits and ATM deposits required.
  • Electronic statement required (no checks returned).
  • Earn $.10 for each Credit Point-of-Sale transaction.
  • Overdraft protection available (from savings or line of credit).
  • Free Telephone and Internet banking.
  • Free Internet Bill Pay service.
  • Free ATM/Debit Card.  Click here for MasterCard SecureCode information.

$ensible Checking

A free checking account that provides customers with the freedom to maintain the balance they choose without worrying about any monthly maintenance fees.

  • Minimum opening balance of $50 
  • No minimum balance required.
  • No monthly maintenance fee. 
  • Earn $.10 for each Credit Point-of-Sale transaction.
  • Overdraft protection available (from savings or line of credit).
  • Free Telephone and Internet banking.
  • Free Internet Bill Pay service.
  • Free ATM/Debit Card.  Click here for MasterCard SecureCode information.

Premium Checking

An interest earning checking account with special pricing on many of our most popular products and services.

 

  • Minimum opening balance of $50.
  • $8 monthly maintenance fee if account balance falls below $1,000 or if combined deposit balances are less than $10,000.
  • Pays tiered interest rates on balances above $1,000 (higher balances earn higher rates). Click here for rates.
  • Unlimited check writing.
  • Earn $.10 for each Credit Point-of-Sale transaction.
  • 1/4% discount on consumer loan rates (new loan with auto pay).
  • Free wallet or duplicate safety paper checks.
  • Free investment planning assistance.
  • Overdraft protection available (from savings or line of credit).
  • Free Telephone and Internet banking.
  • Free ATM/Debit Card.   Click here for MasterCard SecureCode information.

Golden 50 Checking  

An interest earning checking account with special product offers designed for customers who are age 50 or better. 

 

  • Minimum opening balance of $50. 
  • No monthly service fee if you maintain a $500 minimum balance, $1,500 average monthly balance in Golden 50 Checking or have direct deposit of social security or pension.
  • Pays interest on daily collected balances over $1,000. Click here for rates.
  • Unlimited check writing.
  • No per-check charge.
  • Earn $.10 for each Credit Point-of-Sale transaction.
  • Free checks (on selected styles).
  • Free traveler's checks.
  • Free photocopies and notary service.
  • Free telephone and Internet Banking.
  • Free ATM/Debit Card.  Click here for MasterCard SecureCode information.

Health Savings Account

Offers a tax advantage to help offset current or future health care expenses.

  • Offer the opportunity to save for future qualified medical expenses and provide significant tax benefits to eligible individuals.
  • Provide flexibility and tax advantages (consult your tax advisor), while ensuring stability for future health care expenses.
  • Allow balances to be carried over from year to year.  You choose when to use the funds.
  • Are not tied to employment, meaning it is portable, no matter where your account was opened.
  • No set up and no minimum balance to open.
  • Pays interest on all balances.  Click here for rates.
  • Free telephone and Internet Banking.
  • Free checks (40 checks per year).
  • Free ATM/Debit Card.  Click here for MasterCard SecureCode information.

 

 




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