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Interest Rewards Checking puts your money to work for you by paying higher interest on your balance.


Min. to Open



Monthly Service Charge



Steps to Avoid Monthly Service Charge

Must qualify
(See qualifications below)


Transaction Fee




Fee depends on style of checks ordered.


Debit Card Transaction Fee at ATMs

Unlimited no fee transactions at merchants and CFB ATMs. If you meet all qualifications for the monthly statement cycle, we will reimburse you for ATM fees up to $15 per monthly statement cycle. ATM reimbursement credited last day of monthly statement cycle.


Pays Interest

See Rates or connect with us

Learn why Citizens First Bank’s Interest Rewards Checking accounts offer Next Level Rewards


Other Account Details and Benefits

Interest Rewards Qualifications

• Twelve (12) debit card purchases post and settle per monthly statement cycle (excludes ATM withdrawals)
• One (1) electronic transaction (ACH credit or debit) posts and settles per monthly statement cycle

• Enrollment in digital banking
• Accept disclosure to receive monthly statement electronically

Digital Banking & Text Alerts², eStatement, Money Manager, Person to Person (P2P), External Transfers, Debit Card Controls, Multi-Check Mobile Deposit.

Connect with our Personal Bankers for full account disclosures.


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  1. Subject to Iowa State and Local sales tax.
  2. Message and data rates may apply from your wireless carrier. Mobile App Banking is for iPhone®, Ipad®, or Android®. iPhone and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc.

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