Find the Right Checking Account for Your Lifestyle
Everyone is different and has different needs when it comes to their banking. At Citizens First Bank, we understand the need for variety and offer a wide range of checking accounts that are designed for every lifestyle. With every new account, you'll receive:
- A new debit card, issued instantly
- Instant access to online and mobile banking services
- Convenient mobile deposit and online bill pay services
- Account and debit card alerts for security
- Debit card monitoring services that allow you to turn service on or off at any time
With Citizens First Bank, you get so much more than a checking account. You're getting a team that has a vested interest in watching you grow on your financial journey. Contact our team today to open an account and discover a better way to bank.
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Your Checking Account Options
At Citizens First Bank, we offer our customers options that fit their lifestyles and financial needs. That's why we have a variety of checking account options available, from standard free checking up to platinum-level accounts. See what you get with each and choose the one that's right for you today!
Traditional Checking
A simple, no-frills account featuring:
- No minimum balances
- No monthly maintenance fee
- No limitations
Premium Checking
A premium, interest-bearing account with features that include:
- Earned interest
- ATM fee reimbursement up to $10 per statement cycle
- Minimum balance required
Platinum Checking
Our most robust account that allows you to maximize the benefits as you enjoy features that include:
- High interest rates
- ATM fee reimbursement up to $25 per statement cycle
- Free cashier's checks
- Free money orders
- 2 free personal check orders per year
- Minimum balance required
Choose Your Account
| Feature | Traditional Checking | Premium Checking | Platinum Checking | Money Market |
|---|---|---|---|---|
| Minimum Opening Balance | $25 | $100 | $100 | $1,000 |
| Minimum Daily Balance or Combined Bank Balances | N/A | $5,000 Min Daily Balance $10,000 Min Combined | $10,000 Min Daily Balance $25,000 Min Combined | Tiered:
|
| Monthly Maintenance Fee (if balance requirements are not met) | N/A | $10 | $25 | $15 |
| Direct Deposit Requirements | N/A | 1/Statement Cycle | 1/Statement Cycle | N/A |
| Non-CFB ATM Surcharge Refund Policy | N/A | Up to $10/Month | Up to $25/Month | N/A |
| Earns Interest | No | Yes Compounded Monthly | Yes Compounded Monthly | Yes Compounded Monthly |
| Interest Rate | N/A | 0.75% | 1.00% | Tiered:
|
| APY* and Minimum to Earn Stated APY* | N/A | 0.75% $5,000 | 1.00% $10,000 | Tiered:
|
| Statements | $6 paper statement fee waived with E-Statements | |||
| Additional Features | N/A | N/A |
| Maximum of 6 Transfers/Month or Statement Cycle Available for Non-personal Accounts |
APY* disclaimer: *Annual Percentage Yield offered on your account is subject to change. Fees may reduce earnings. The APY is effective January 1, 2026. Interest is accrued daily and compounded monthly. Additional disclosures are available to explain the calculation of APY.
Our current rates are available at all of our branch locations.
To calculate your FDIC insurance limits, click here.
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