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Personal Banking

 Personal Checking                 Personal Savings                    More Account Options

Citizens First Bank offers many additional services, see the list below for some of our most popular.  Our online account opening process will guide you to open an account fast, from start to finish. 

Is there something that you are interested in that you don't see here?  Simply ask your Customer Service Representative next time you're in, or call us at 877.902.1442. 

Click Here for a list of all checking accounts 
Basic but not boring.
Simple everyday checking

Cash back for using your debit card!

Keeping things in balance, for your financial well being

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Earning interest is important to you

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Experience banking at your fingertips

Check your balance, make transfers, plan your budget.

Click Here for a list of all savings accounts 

Tuck savings away! Keep your money secure

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A dose of financial security for your medical expenses

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Plan ahead to enjoy the holidays more than ever!

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Yes!  We are here to help you!

Universal Bankers are available during normal business hours and will be happy to help answer your questions.  After 21 years of meeting your local financial needs, we still get excited when we find a better way to provide our customers with Banking as it should be!

Maggie Goebel Maggie Kenney

Short and long term Certificates of Deposit to suit your needs

Click here for CD options

Certificates of Deposit and IRAs

Whether you have short-term or long-term goals in mind, Citizens First Bank offers CDs for your investment needs.  Or perhaps you are looking for ways to save for retirement with potential tax advantages?   Consider an IRA with Citizens First Bank! 

CD and IRA Rates

Invest in your future!

Click here for our Money Market options

Index Money Market


Free Check Images

To access your check images at your convenience, sign up for eStatements today!   For customers receiving paper statements, images of all your cancelled checks are included with our Plu$ Rewards account.  For a monthly fee, images are available for Intere$t Reward$, Ba$ic and Ca$h Reward$ accounts.

For additional help with proof of payment, call Unviersal Bankers at 877.902.1442 or contact us online.

Convenience Visa Gift Cards

A Convenient Visa® Gift Card is more flexible than a gift certificate and safer than cash. It's the perfect gift that is great to get and so easy to use!

The gift card is a prepaid card that looks like a Visa® card but has a set dollar amount limited to the amount of money placed on the gift card by the purchaser. The gift card will be activated at the time of purchase.

You can register your gift card to enable you to use your card to make purchases over the telephone and on the internet. Registering will also allow you to request a replacement card should yours become lost or stolen. Register your card at or by calling 800.486.0292.

The gift cards can be purchased at any of our Citizens First Bank locations. Cards may be purchased for amounts between $10 and $500 and there is a $3 charge to purchase each gift card.  The expiration date is on each card. 

For a detailed cardholder agreement:

To report a lost or stolen Convenient Gift Card after hours, call 800.486.0292.

Issued by First Century Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc



For added convenience, Citizens First Bank’s Bank-by-Mail service allows you to make account deposits or payments without having to go to the bank.  Mail to our main office at 1442 Lincoln Way, Clinton, Iowa, 52732.  Find our other locations here

Direct Deposit

Have your payroll checks, interest payments, Social Security and other government payments directly deposited to your Citizens First Bank checking or savings account.   Not a customer?  Let us help you make the switch today! 

Safe Deposit Boxes

Citizens First Bank offers a variety of safe deposit boxes for your valuables and important documents. Contents of safe deposit boxes are not insured by the FDIC. Contact Us to find out more.

Money Orders and Cashier's Checks

When you need to send your money or when cash is not accepted for a large purchase, a personal money order or Citizens First Bank cashier's check is the safe, convenient substitute. Fees may apply.

Order Checks

Personal account holders can order by phone at 877.838.5287 or online with Deluxe. 

Citizens Ready Cash

Citizens First Bank Ready Cash is a pre-approved line of credit attached to your checking account to protect you from overdrawing your account.

Citizens First Bank offers the following other products and services. Please stop by our office or contact us for more information.

  • Check Cashing
  • Coin Counting
  • Foreign Currency Orders
  • Notary Service
  • Wire Transfers