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Here’s a checking account that takes away all the worry about minimum balances and monthly service charges – Absolutely! You also enjoy the freedom to write checks without check fees that eat away at your balance. So, it you want a no-hassle, free checking account that’s always free, then this is Absolutely the right choice for you.
- No minimum balance
- No monthly service charge and unlimited check writing
- No fee direct deposit
- Free Online Banking and Bill Pay
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- No minimum balance
- Free personalized membership checks
- Unlimited check writing
- No fee on single signature travelers checks, cashiers checks and money orders
- Installment loan discount ¼% with direct debit
- Promotional CD rates
- 50% off first year Safe Deposit box
- 1 Free Stop payment or incoming or outgoing wire transfer
- Free notary service
- Check images
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Citizens First National Bank offers an “environmentally” friendly checking account that donates to the Illinois Conservation Foundation which supports and protects our environment.
- No Minimum Balance
- Free Debit Card Purchase Access
- 15 checks per months
- Pay your bills online with BillPay.
Citizens will donate .05 for every debit card (POS) purchase you make
Citizens will donate $1.00 for every bill you set–up online (up to $10.00)
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Withdraw cash, transfer funds between accounts and receive balance information at Citizens’ ATMs, and shared network ATMs.
Our ATM Checkcard provides payment flexibility and shopping convenience. There is no need to carry a checkbook or cash.
- No Annual Fee
- To report lost or stolen ATM/Debit Cards – Please call (800) 554-8969
For a list of our ATM locations click here
A change is coming to regulations in connection with your ATM and Debit Card which could affect coverage in the event of an overdraft. For more information, click here.
800 293-0451
Available 24/7/365
Citizens TELEBANKER makes it easy to access your accounts any time, day or night from any touch tone phone. And it’s so easy to use!!
Online banking makes it a breeze to check your account history and transaction information, as well as transfer funds between accounts – any time, day or night.
ACCOUNT INFORMATION
- View your account balances
- See up to 45 days history for your selected accounts
- Search account history by check number, amount or date range
- Export history to personal finance software such as Quicken™ or MS Money™
TRANSFERS
- Transfer funds between your Citizens accounts with just the click of your mouse
- Make payments on your Citizens loans
- Worry Free Overdraft Privilege covers OnLine banking overdrafts
Q-CARDS
- Send yourself personal reminders of appointments, meetings, birthdays, or anything else you choose
- Automatically receive notification when your account balances reach specified levels
Citizens Online Bill Pay saves you time and money by allowing you to pay your bills electronically. No more checks to write, no more stamps!
Sign up with easy on-screen steps
Using Free Bill Pay
- Set up payees
- Schedule your payments
- Receive bill electronically with E-Bill
CheckFree's Guarantee
100% assurance of quality that protects against fraud and late payments.
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Providing Financial Peace of Mind
Eligible checking accounts have the additional benefit of this service. Avoid the hassles and embarrassment of returned checks because with Worry Free Overdraft Privilege, we’ve got you covered for up to $500.00. We will charge our standard fee for each item that overdraws your account, but you will not have to pay any additional fees to retailers to redeem unpaid checks.
A change is coming to regulations in connection with your ATM and Debit Card which could affect coverage in the event of an overdraft. For more information, click here.
Pre-arrange to have your funds transferred from your savings account to your checking account to cover overdraft situations!
Overdraft Protection allows you to link your savings account to your checking account . If your checking account becomes overdrawn for any reason, and provided you have sufficient funds available in your savings account, the funds will be automatically transferred to your checking account. A fee of $10.00 will be assessed to your checking account each time a transfer is required.
For unplanned expenses up to $3,000, you’ll want to apply for Private Line, a personal line of credit that is connected to your checking account to provide overdraft protection. Whenever you have a major purchase or unexpected expense, just write yourself a loan to your approved credit limit. This account has a $20 annual fee.
If you’re not already enjoying the value of Citizens Account Protection, stop by or call a personal banker today.
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Transaction Account Guarantee Program
Citizens First National Bank has chosen not to participate in the FDIC’s Transaction Account Guarantee Program. Customers of Citizens First National Bank with non-interest bearing transaction accounts will continue to be insured through December 31, 2013 for up to $250,000 under the FDIC’s general deposit insurance rules.
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©2010 Citizens First National Bank. All rights reserved.
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