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Personal Checking Accounts
We’ve got an account that fits your needs, and your lifestyle. Take your pick.
Basic Checking
It’s all the checking you need.
- $100 minimum opening balance
- No minimum balance
- No monthly maintenance fee
- Check safekeeping
- Monthly statement
First Checking
Watch where your money is going with check imaging.
- $100 minimum opening balance
- No minimum daily balance
- Monthly maintenance fee of $5 for check images
- Maintenance fee is waived for seniors (age 62+), churches and nonprofit organizations.
Now Accounts
Earn a return on your checking account!
- $500 minimum opening balance
- $0.01 minimum daily balance to obtain the stated APY on the rate sheets
- $7.50 maintenance fee if balance drops below $500
Money Market Deposit
Get a bigger return with a money market checking account.
- $1,000 minimum balance
- Maximum of 6 withdrawals per month, of which 3 are payable to a third party
- $10 fee and APY rate reduction if balance drops below $1,000
- Unlimited transfers between accounts and transactions completed in person
- Free personalized checks
We Reserve the Right to require seven days notice of intent to withdraw funds from Now Acct's and MMDA Acct's
Citizens First Bank is participating in the FDIC's Transaction Account
Guarantee Program - TAG
Under that program though December 31, 2009, all NON interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.
Coverage under the Transaction Account Guarantee Program (TAG) is in addition to and seperate from the coverage available under the FDIC's general deposit insurance rules.
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