Man writing check in front of computer.

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.