Build Your Savings
WITH EVERY DEBIT CARD PURCHASE


Every time you use your Citizens Debit Card for a purchase, we will round-up to the nearest dollar. The amount of the difference will be transferred from your checking account to your savings account. It's a convenient and easy way to automatically put a little "extra" money into your savings. Every dinner, every stop at the store and every tank of gas helps to build your savings.

Making Cents is a FREE service available to any
Citizens First National Bank customer who has an

  • Active Checking Account
  • Savings or Money Market Account
  • Citizens Debit Card

If you have more than one Citizens Debit Card associated with your cheking account, each card will be automatically activated for the Making Cents service. To sign up for Making Cents, call or visit an office near you.


Choose the way you Bank!

At Citizens,
you can choose the way you Bank!



WITH YOUR CHECKCARD!

> AT AN ATM
Make cash withdrawals from and deposits to your Citizens accounts at no charge. You can also check
balances and transfer funds between accounts

> AT THE STORE
Use your ATM/CheckCard to make purchases worldwide - wherever Visa is accepted!

ON YOUR PHONE!

:-) PERSON-TO-PERSON
Talk directly to a friendly, helpful Personal Banker

:-) TELEBANKER
24 hour automated access to your accounts through your touch-tone phone to check balances, recent withdrawals or deposits and transfer funds.

:-) MOBILE BANKING
Access your accounts from your mobile phone to review balances, transfer funds and even pay your bills! All the features of online banking - now mobile!

AT YOUR COMPUTER!

$ ONLINE BANKING
Set up your accounts on your home computer and bank in your jammies! View up to the minute account information, check images and receive E-Statements.

$ BILLPAY
Pay your bills online - FREE! Set up recurring payments, such as credit card, utilities, loans and pay with a few simple key strokes.

WITH YOUR CHECK BOOK!

* ABSOLUTELY FREE CHECKING
* ALL IN ONE CHECKING
* E-GREEN CHECKING
* INTEREST CHECKING


All of our checking accounts offer FREE Online and Mobile Banking with BillPay and
E-Statements! Stop by today and let a Personal Banker find the account that’s best suited
to your lifestyle!

Choose the way you Bank! Choose Citizens!

Going Green


*OnLine Banking

*Mobile Banking

*E-Statements

*E-Green Checking



Enjoy the many benefits of our FREE ONLINE & MOBILE BANKING.


Manage your finances anywhere, any time from your computer or cell phone! With OnLine or Mobile Banking you can check balances, transfer funds, receive alerts or review your account history.

It’s fast, simple and convenient. Call today for a personal mobile banking set-up* or visit www.citizens1st.com for more details!

Doing our part to protect the environment.

*You must have a Web-based cell phone to use this service. Ask your service provider for their charges to access the Web from your phone.

Home Fix-It Loan
Use this $1,000 special loan offer*
for your home improvements...
painting, flooring, appliances
...whatever project you’ve been waiting to do!


4.00%
Annual Percentage Rate



*Limited time offer. Repayment of $1,000 unsecured loan at 4.00% Annual Percentage Rate (APR): 11 monthly payments of $85.15 with a final payment of $84.11. No documentation fee. Must have additional product relationship with the bank.

Citizens First National Bank

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