Documents in Portable Document Format (.PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download it now.

COVID 19 Resources

In light of recent news concerning the COVID – 19 virus, Citizens First Bank is taking every possible precaution to ensure the safety and well-being of our customers, our staff, and our community.  We are implementing extra sanitation measures to proactively combat the spread of the COVID-19 virus.  

Many organizations are sharing recommendations for public health practices, and how to best respond to the pandemic.  We encourage everyone to take the necessary precautions to prevent the disease from spreading.  

Effective at 1pm Tuesday, March 17, all Citizens First Bank lobbies are CLOSED.  Drive Thrus are OPEN normal business hours.  We encourage customers to call 563.243.6000 for any banking needs that cannot be met by digital channels, ATMs or Drive Thrus.  Please do not hesitate to reach out to us with any questions or concerns. 

 

Health Resources 
Business Resources 

Loan Information for Illinois


 
 
 
Small Business Administration - Loan Info

U.S. Small Business Administration Issues Economic Injury Disaster Loan declaration for Iowa

Financial Assistance Available to Small Businesses Impacted by COVID-19

DES MOINES – Governor Reynolds announced that the U.S. Small Business Administration (SBA) has issued a disaster declaration for the state of Iowa as of January 31, 2020 and continuing. The declaration allows pandemic-impacted small businesses to apply for low-interest support loans. The declaration comes after Iowa Governor Kim Reynolds submitted a federal funding request via the SBA’s Economic Injury Disaster Loan program.

“This SBA Disaster Loan program is vital in assisting our small businesses that have been so heavily impacted by these unprecedented times,” said Gov. Reynolds. “I will continue to work with President Trump and his administration to provide relief to Iowa small businesses as we combat the spread of COVID-19 in Iowa.” 

The SBA is now making loans available statewide to small businesses and private, non-profit organizations to help alleviate economic injury caused by the Coronavirus (COVID-19). SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%. SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

Applications can be made via the SBA’s website: https://covid19relief.sba.gov/#/. (If you have trouble with this link, try typing in the URL. This website is currently getting a lot of use and you may have to try several times)

Link to SBA Loan Application  

 

Applicants can monitor the status of their applications online after submission.

For questions, please contact the SBA disaster assistance customer service center at 1-800-659-2955 (TTY: 1-800-877-8339) or email disastercustomerservice@sba.gov.

COVID 19 / Coronavirus Scams

Fraud is on the Rise 

Sadly, any time there are new social challenges, an opportunity is presented for fraud to rise.  Particularly with an ongoing health pandemic such as the coronavirus, the uncertainty and fear across the population currently leaves some of us more vulnerable to unscrupulous tactics. 

Do not give out any information such as social security numbers, account numbers or any other personal information, to someone you do not know or who has contacted you unexpectedly.  If you feel you have had any information compromised or given out inadvertently, please contact us immediately at 563.243.6000 so we can work to safeguard your accounts.

 

Keep your Guard Up 

Be aware that scammers are sending emails and text messages with malicious attachments or links to fraudulent websites to trick victims into revealing sensitive information or donating to fraudulent charities or causes. 

Scammers have no shame, and nothing – not even a global health crisis – is off limits.  Examples of schemes: 

Fake Coronavirus vaccines, unproven cures, and bogus at-home testing kits.

Exploiting confusion about economic impact payments

Most people who qualify for a stimulus check will automatically get it direct deposited by the IRS. As details emerge about how and when payments will arrive, some scammers may start using official-looking fake checks to steal money and confuse people into turning over personal information. Here’s some information to help avoid fake check scams that might be arriving soon:

  • The check’s not in the mail – yet. Reports state that paper checks – for people without direct deposit – will start arriving in May at the earliest. So, if you get an economic impact payment, stimulus, or relief check before then, or you get a check when you’re expecting a direct deposit, it could be a scam.
 
  • The IRS will not send you an over-payment and make you send the money back in cash, gift cards, or through a money transfer. If you get an official-looking check for more than what you were expecting – say, for $3,000 – the next call you’re likely to get is from a scammer. They’ll tell you to keep your $1,200 payment, and return the rest by sending cash, gift cards, or money transfers.
 
  • That’s not the IRS calling, texting, or emailing. Scammers are sending official-looking messages – including postcards with a password to be used online to “access” or “verify” your payment or direct deposit information. The IRS will not contact you to collect your personal information or bank account. It’s a scam.
 

Stay Informed 

For trusted information and updates about IRS payments – including eligibility, how to sign up for direct deposit, or where to file a short tax form – always start with irs.gov/coronavirus. 

Coronavirus Tax Relief and Economic Impact Payments 

 

Learn how to avoid scams by subscribing to the FTC’s consumer alerts, and report scams to the FTC at ftc.gov/complaint.

The Cybersecurity and Infrastructure Security Agency (CISA) warns individuals to remain vigilant for scams related to the Coronavirus (COVID-19). Exercise caution in handling any email with a COVID-19-related subject line, attachment, or hyperlink, and be wary of social media pleas, texts, or calls related to COVID-19. 

Visit CISA for more information 

 

The CISA encourages individuals to remain vigilant and take the following precautions:

  • Avoid clicking on links in unsolicited emails and be wary of email attachments. They could download viruses onto your computer or device. 
 
 
 
  • Ignore online offers for vaccinations. There currently are no vaccines, pills, or other prescription or over-the-counter products available to treat or cure COVID – 19.
 
  • Use trusted sources—such as legitimate, government websites for up to date, unbiased information about COVID – 19.  
 
  • Do not reveal personal or financial information in email, and do not respond to email solicitations for this information.
 
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it. Review the Federal Trade Commission’s page on Charity Scams for more information.
Economic Impact Payments 
If you have questions about your economic impact payment, also known as a stimulus payment, please use this link to check on your payment, change your address and for other basic information: 
 
 

For trusted information and updates about IRS payments – including eligibility, how to sign up for direct deposit, or where to file a short tax form – always start with irs.gov/coronavirus. Learn how to avoid scams by subscribing to the FTC’s consumer alerts, and report scams to the FTC at ftc.gov/complaint.

 
 
 
 
 
 
Message from Citizens First - March 23, 2020

To our valued customers:

 

Thank you, so much, for the positive response we have received for the proactive measures we’ve taken to keep our community safe during the Coronavirus (COVID – 19) outbreak.

Many of you have taken the plunge to enroll in online banking, and some have utilized Mobile Deposit for the first time, others have called to ask questions.  We appreciate your willingness to adjust to the new environment we’ve all found ourselves in.  We continue to monitor the situation, and adapt accordingly, with public health and customer & staff well-being top of mind. 

Just like grocery stores, banks are an essential business.  Rest assured that essential businesses remain open, and you’ll have access to the money you have in the bank.   It is the safest place for your money. 

Community banks, such as Citizens First Bank, are well positioned to adapt to the physical distance needed to fight COVID 19, while still offering our full services through our digital banking solutions, over the phone, our drive thru's, and appointments on a very limited basis.   All lobbies are closed at this time until the threat of the spread of Coronavirus has passed. 

Additionally, the World Health Organization is encouraging the use of digital payment options because the COVID-19 virus can survive on hard surfaces like coins for days.  Use your Citizens First Bank debit card, Apple Pay, Samsung Pay or Popmoney rather than cash, whenever possible. 

As you make informed decisions about protecting your health and financial well-being, please know that our team at Citizens First Bank is dedicated to providing you with the same level of customer service that you are accustomed to.  

We are not reducing our hours or services at this time.  If you have questions, please contact us and we’ll get through your questions together.  

 

Fees waived for Visa gift cards – a great way to say thanks or pay it forward!

Right now, we are all thinking of how to best support our neighbors, local businesses, medical professionals and first responders.  Consider using our Drive Thru to purchase some Visa gift cards and we will waive the fee. Thank you for supporting your neighbors, our area businesses and nonprofits, all while doing your part to stay socially distant.

 

BANKING OPTIONS

We encourage you to utilize our digital banking tools and other resources for self-service banking and 24/7 account access from anywhere.  These tools include:

  • Online Banking – You can access your accounts 24/7 with our online banking available at www.GoCFB.bank.  View transactions, check balances, transfer funds, make loan payments, view statements, and more.  If you haven’t enrolled previously, please enroll now.  Additional services include Mobile Deposit, Bill Pay and more.
  • Mobile Banking – All the same features of online banking, available on your smartphone in our CFB Mobile app.  Download from the Apple App Store or Google Play Store
  • PopMoney – Our secure online personal payment service that allows you to quickly & easily send, receive, or request money from others.  Available through Bill Pay online or within the CFB Mobile app.  Learn more here.
  • ATM Access – Get access to cash at any of our convenient locations in Clinton and Camanche.  Find a location here.

All of these tools and resources are free and easy to use and will allow you to continue to bank with Citizens First Bank from anywhere, now and into the future.  If you’re not certain about how to get set up, please call us to set up an appointment.  We can assist you over the phone in most cases.   

 

WE ARE HERE TO HELP!

 

Our lobbies are CLOSED at this time to limit exposure of the Coronavirus (COVID – 19).  Thank you for your understanding.  Drive Thru's at all of our branches are OPEN normal business hours.  We encourage customers to call 563.243.6000 for any banking needs that cannot be met by digital channels, ATM's or Drive Thru's.  Please do not hesitate to reach out to us with any questions or concerns. 

 

 

Sincerely,

Kathryn A. Forrest

President & CEO

Citizens First Bank

 

Message from Citizens First - March 17, 2020

To our valued customers:

Like you, we at Citizens First Bank continue to monitor the rapidly evolving threat posed by the ongoing coronavirus (COVID-19) outbreak.  We are committed to being responsive to the needs of our customers & employees as the situation evolves, and to supporting our community in a time of crisis.

RESTRICTED LOBBY ACCESS

Effective at 1pm Tuesday, March 17th, ALL LOBBIES will be closed to public access until the risk of spread of the coronavirus subsides.  We will remain fully staffed and open during our regular business hours; however, we feel it is most responsible to our employees and our community to limit face-to-face interactions at this time.  We are dedicated to limiting exposure for our community. 
 
Our drive-thru will remain open and available for expanded service during this period of time, & the night drop box continues to be available before and after hours.  Exceptions will be made on a very limited case-by-case basis for customer access to the lobby.  Please call the bank to make arrangements. 
 
We encourage you to utilize our digital banking tools and other resources for self-service banking and 24/7 account access from anywhere.  These tools include:

  • Online Banking – You can access your accounts 24/7 with our online banking available at www.GoCFB.bank.  View transactions, check balances, transfer funds, make loan payments, view statements, and more.  If you haven’t enrolled previously, please enroll now.
  • Online Bill Pay – Pay your bills 24/7 while on vacation, at the office, from home - anywhere you have access to the Internet. 
  • Mobile Check Deposit – Securely deposit your checks into your account remotely right from your smartphone, in seconds.  Available in our CFB Mobile app.  Learn more here.
  • Mobile Banking – All the same features of online banking, available on your smartphone in our CFB Mobile app.  Download from the Apple App Store or Google Play Store.
  • PopMoney – Our secure online personal payment service that allows you to quickly & easily send, receive, or request money from others.  Available through Bill Pay online or within the CFB Mobile app.  Learn more here.
  • ATM Access – Get access to cash at any of our convenient locations in Clinton and Camanche.  Find a location here.

All of these tools and resources are free and easy to use and will allow you to continue to bank with Citizens First Bank from anywhere, anytime both during this unique time and also into the future.

 

LOCAL ECONOMIC IMPACT

We understand that there may be instances where our customers find themselves facing financial difficulties as a result of the pandemic, including business shut downs, temporary layoffs, quarantining & social distancing, or unexpected medical bills.  Citizens First Bank is here to help and we encourage any customers who may be impacted to reach out to discuss how we might be of assistance. 


CORONAVIRUS SCAMS

Finally, as is unfortunately the case in today’s world, any time there are new social challenges an opportunity is presented for fraud to rise.  Particularly with an ongoing health pandemic such as the Coronavirus, the uncertainty and fear across the population currently leaves some of us more vulnerable to unscrupulous tactics.  Please be aware of these schemes and discuss with anyone you feel may be vulnerable, particularly the elderly.  Do not give out any information such as social security numbers, account numbers or any other personal information to someone you do not know or who has contacted you unexpectedly.  If you feel you have had any information compromised or given out inadvertently, please contact us immediately at 563.243.6000 so we can work to safeguard your accounts.
 
In closing, we will continue to closely monitor the developments around the Coronavirus outbreak and will continue to communicate any information regarding developments at our bank to maintain the high level of support you should expect from us.  We hope and trust that you, your friends, your families, and your communities are safe and taking appropriate steps to support the health and welfare of all.
 
Please do not hesitate to reach out to us with any questions or concerns.

 

Kathryn A. Forrest

President & CEO

Citizens First Bank