Business Checking

Minimum Balance Checking

$100 minimum balance to open

$500 daily balance requirement per statement cycle to avoid maintenance charge
$10 monthly maintenance charge
No charge for first 250 items for deposit/withdrawal ($0.15 for each item after)
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available*

Relationship Checking

$100 minimum balance to open

$3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge
$13 monthly maintenance charge
No charge for first 500 items for deposit/withdrawal ($0.15 for each item after)
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available*

Commercial Analysis Checking

$100 minimum balance to open

Service charges may be offset or reduced by an Earnings Credit
$15 monthly maintenance charge
$0.15 for each item
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available*

Specialty Accounts

Non-Profit Checking

$100 minimum balance to open

$3,000 daily balance requirement per statement cycle to avoid maintenance charge
$15 monthly maintenance charge
No charge for first 500 items for deposit/withdrawal ($0.15 for each item after)
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available*

IOLTA

$100 minimum balance to open

Maintenance charge waived if customer has an operating account with Citizens First Bank.
$10 monthly maintenance charge
No charge for first 300 items for deposit/withdrawal ($0.15 for each item after)
Tiered interest rate based on balances
Business eBanking (excluding Bill Pay)
Business Mobile Banking with Check Deposit
Cash management services available (excluding ACH origination)*

Public Funds

$100 minimum balance to open

$3,000 daily balance requirement per statement cycle to avoid maintenance charge
$10 monthly maintenance charge
No charge for first 150 items for deposit/withdrawal ($0.15 for each item after)
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available*

Club & Association

$100 minimum balance to open

No minimum balance requirement
No monthly maintenance charge
No charge for first 100 items for deposit/withdrawal ($0.15 for each item after)

*Cash management services include ACH origination, desktop deposit capture, domestic wires, merchant services, and Positive Pay services. Cash management services are subject to approval.