Account Type*
First Express
Monthly Maintenance Charge
 
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
 
$0
Minimum Opening Balance
 
 
$1
Interest Bearing Account
 
 
 
Special Requirements
 
 
 
Senior Intrest Checking
Monthly Maintenance Charge
 
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
 
$0
Minimum Opening Balance
 
 
$1
Interest Bearing Account
 
 
Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
 
 
Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
 
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
 
$0
Minimum Opening Balance
 
 
$1
Interest Bearing Account
 
 
 
Special Requirements
 
 
FMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
 
 
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
 
$1500
Minimum Opening Balance
 
 
$1500
Interest Bearing Account
 
 
Tiered interest is paid based on account balance.
Special Requirements
 
 
 
Citizen Advantage Money Market
Monthly Maintenance Charge
 
 
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
 
$2500
Minimum Opening Balance
 
 
$2500
Interest Bearing Account
 
 
Tiered interest is paid based on account balance.
Special Requirements
 
 
 
Account Type*
First Express
Monthly Maintenance Charge
 
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
  $0
Minimum Opening Balance
 
  $1
Interest Bearing Account
 
   
Special Requirements
 
   
Senior Intrest Checking
Monthly Maintenance Charge
 
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
  $0
Minimum Opening Balance
 
  $1
Interest Bearing Account
 
  Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
 
  Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
 
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
  $0
Minimum Opening Balance
 
  $1
Interest Bearing Account
 
   
Special Requirements
 
  FMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
 
  $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
  $1500
Minimum Opening Balance
 
  $1500
Interest Bearing Account
 
  Tiered interest is paid based on account balance.
Special Requirements
 
   
Citizen Advantage Money Market
Monthly Maintenance Charge
 
  $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
  $2500
Minimum Opening Balance
 
  $2500
Interest Bearing Account
 
  Tiered interest is paid based on account balance.
Special Requirements
 
   
Account Type*
First Express
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
 
Special Requirements
 
 
Senior Intrest Checking
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
 
Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
 
Special Requirements
 
FMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
 
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$1500
Minimum Opening Balance
 
$1500
Interest Bearing Account
 
Tiered interest is paid based on account balance.
Special Requirements
 
 
Citizen Advantage Money Market
Monthly Maintenance Charge
 
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$2500
Minimum Opening Balance
 
$2500
Interest Bearing Account
 
Tiered interest is paid based on account balance.
Special Requirements
 
 
Account Type*
First Express
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
   
Special Requirements
   
Senior Intrest Checking
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
  Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
  Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
   
Special Requirements
  FMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
  $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $1500
Minimum Opening Balance
  $1500
Interest Bearing Account
  Tiered interest is paid based on account balance.
Special Requirements
   
Citizen Advantage Money Market
Monthly Maintenance Charge
  $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $2500
Minimum Opening Balance
  $2500
Interest Bearing Account
  Tiered interest is paid based on account balance.
Special Requirements
   
Account Type*
First Express
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
 
Special Requirements
 
 
Senior Intrest Checking
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
 
Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
 
Special Requirements
 
FMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
 
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$1500
Minimum Opening Balance
 
$1500
Interest Bearing Account
 
Tiered interest is paid based on account balance.
Special Requirements
 
 
Citizen Advantage Money Market
Monthly Maintenance Charge
 
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$2500
Minimum Opening Balance
 
$2500
Interest Bearing Account
 
Tiered interest is paid based on account balance.
Special Requirements
 
 
Account Type*
First Express
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
   
Special Requirements
   
Senior Intrest Checking
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
  Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
  Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
   
Special Requirements
  FMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
  $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $1500
Minimum Opening Balance
  $1500
Interest Bearing Account
  Tiered interest is paid based on account balance.
Special Requirements
   
Citizen Advantage Money Market
Monthly Maintenance Charge
  $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $2500
Minimum Opening Balance
  $2500
Interest Bearing Account
  Tiered interest is paid based on account balance.
Special Requirements
   
Account Type*
First Express
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
 
Special Requirements
 
Senior Intrest Checking
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
 
Special Requirements
FMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$1500
Minimum Opening Balance
$1500
Interest Bearing Account
Tiered interest is paid based on account balance.
Special Requirements
 
Citizen Advantage Money Market
Monthly Maintenance Charge
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$2500
Minimum Opening Balance
$2500
Interest Bearing Account
Tiered interest is paid based on account balance.
Special Requirements
 
Account Type*
First Express
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account  
Special Requirements  
Senior Intrest Checking
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account  
Special Requirements FMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $1500
Minimum Opening Balance $1500
Interest Bearing Account Tiered interest is paid based on account balance.
Special Requirements  
Citizen Advantage Money Market
Monthly Maintenance Charge $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $2500
Minimum Opening Balance $2500
Interest Bearing Account Tiered interest is paid based on account balance.
Special Requirements  
Account Type*
First Express
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
 
Special Requirements
 
 
Senior Intrest Checking
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
 
Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
 
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$0
Minimum Opening Balance
 
$1
Interest Bearing Account
 
 
Special Requirements
 
Must be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
 
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$1500
Minimum Opening Balance
 
$1500
Interest Bearing Account
 
Tiered interest is paid based on account balance.
Special Requirements
 
 
Citizen Advantage Money Market
Monthly Maintenance Charge
 
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
 
$2500
Minimum Opening Balance
 
$2500
Interest Bearing Account
 
Tiered interest is paid based on account balance.
Special Requirements
 
 
Account Type*
First Express
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
   
Special Requirements
   
Senior Intrest Checking
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
  Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
  Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
  $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $0
Minimum Opening Balance
  $1
Interest Bearing Account
   
Special Requirements
  Must be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
  $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $1500
Minimum Opening Balance
  $1500
Interest Bearing Account
  Tiered interest is paid based on account balance.
Special Requirements
   
Citizen Advantage Money Market
Monthly Maintenance Charge
  $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
  $2500
Minimum Opening Balance
  $2500
Interest Bearing Account
  Tiered interest is paid based on account balance.
Special Requirements
   
Account Type*
First Express
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
 
Special Requirements
 
Senior Intrest Checking
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
 
Special Requirements
Must be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$1500
Minimum Opening Balance
$1500
Interest Bearing Account
Tiered interest is paid based on account balance.
Special Requirements
 
Citizen Advantage Money Market
Monthly Maintenance Charge
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$2500
Minimum Opening Balance
$2500
Interest Bearing Account
Tiered interest is paid based on account balance.
Special Requirements
 
Account Type*
First Express
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account  
Special Requirements  
Senior Intrest Checking
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account  
Special Requirements Must be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $1500
Minimum Opening Balance $1500
Interest Bearing Account Tiered interest is paid based on account balance.
Special Requirements  
Citizen Advantage Money Market
Monthly Maintenance Charge $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $2500
Minimum Opening Balance $2500
Interest Bearing Account Tiered interest is paid based on account balance.
Special Requirements  
Account Type*
First Express
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
 
Special Requirements
 
Senior Interest Checking
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements
Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge
$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$0
Minimum Opening Balance
$25
Interest Bearing Account
 
Special Requirements
Must be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$1500
Minimum Opening Balance
$1500
Interest Bearing Account
Tiered interest is paid based on account balance.
Special Requirements
 
Citizen Advantage Money Market
Monthly Maintenance Charge
$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge
$2500
Minimum Opening Balance
$2500
Interest Bearing Account
Tiered interest is paid based on account balance.
Special Requirements
 
Account Type*
First Express
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account  
Special Requirements  
Senior Interest Checking
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account Tiered interest is only paid on those days that the balance is $1000 or more.
Special Requirements Must be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge $0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $0
Minimum Opening Balance $25
Interest Bearing Account  
Special Requirements Must be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $1500
Minimum Opening Balance $1500
Interest Bearing Account Tiered interest is paid based on account balance.
Special Requirements  
Citizen Advantage Money Market
Monthly Maintenance Charge $10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge $2500
Minimum Opening Balance $2500
Interest Bearing Account Tiered interest is paid based on account balance.
Special Requirements  
Account Type*
First Express
Monthly Maintenance Charge$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge$0
Minimum Opening Balance$1
Interest Bearing Account 
Special Requirements 
Senior Interest Checking
Monthly Maintenance Charge$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge$0
Minimum Opening Balance$1
Interest Bearing AccountTiered interest is only paid on those days that the balance is $1000 or more.
Special RequirementsMust be 50+ years of age. Direct Deposit Required
Student Checking
Monthly Maintenance Charge$0
Minimum Daily Balanceto Avoid Monthly Maintenance Charge$0
Minimum Opening Balance$1
Interest Bearing Account 
Special RequirementsMust be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW
Monthly Maintenance Charge$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge$1500
Minimum Opening Balance$1500
Interest Bearing AccountTiered interest is paid based on account balance.
Special Requirements 
Citizen Advantage Money Market
Monthly Maintenance Charge$10
Minimum Daily Balanceto Avoid Monthly Maintenance Charge$2500
Minimum Opening Balance$2500
Interest Bearing AccountTiered interest is paid based on account balance.
Special Requirements 
Account Type* Monthly Maintenance Charge Minimum Daily Balanceto Avoid Monthly Maintenance Charge Minimum Opening Balance Interest Bearing Account Special Requirements
First Express $0 $0 $25    
Senior Interest Checking $0 $0 $25 Tiered interest is only paid on those days that the balance is $1000 or more. Must be 50+ years of age. Direct Deposit Required
Student Checking $0 $0 $25   Must be 16-25 years of age if full-time student. Children under 18 must have an adult with a Citizens First Bank account as joint owner.
Tiered NOW $10 $1500 $1500 Tiered interest is paid based on account balance.  
Citizen Advantage Money Market $10 $2500 $2500 Tiered interest is paid based on account balance.  

*Certain account restrictions apply. Please see the Fee Schedule for more information. 

Download our Full-Comparison Chart for more details.