Man writing check in front of computer.

Checking

Looking for the right account for you? Try our helpful Checking Account Finder.


 


All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements.
American Heroes Checking

For military, veterans, and first responders
  • $25 minimum balance to open
  • No minimum balance requirement
  • Earns interest on balances over $1,000
  • Free branded checks
  • Branded debit card with rewards1
  • Free cashier's checks/money orders2
  • Account holder may qualify for a loan discount1
1See Truth-in-Savings disclosure at branch location for details
 
2 Limit 3 per check statement cycle. 
 
 
Buffalo Charity Checking
 
Supporting the Buffalo Scholarship Foundation
  • $25 minimum balance to open
  • No minimum balance requirement
  • No monthly maintenance charge
  • Free welcome pack wallet checks
  • Branded debit card with $0.10 donation from Citizens First Bank to the Buffalo Scholarship Foundation for each debit transaction*
*Excluding ATM transactions
 

Click here to convert your existing checking account.
Senior Interest Checking

Interest checking for those 50+ years of age
  • $25 minimum balance to open
  • No minimum balance requirement
  • No monthly maintenance charge
  • Earns interest on balances over $1,000
  • Free first order of Custom Creation wallet checks
  • Debit/ATM card available
  • Free cashier's checks/money orders*
*Limit 3 per check statement cycle. 
 
 

My Rewards Checking
 
Earn cash back rewards* 
  • $25 minimum deposit to open
  • No minimum balance requirement
  • No monthly maintenance charge
  • Debit/ATM card required
  • Receive cash back rewards on debit card purchases* (Limits apply)
  • Refunds on ATM withdrawal fees - nationwide* (Limits apply) 
  • Add a My Saver Savings Account to earn higher interest* and automatic savings!
    • No minimum balance requirement
    • Your My Rewards rewards are automatically credited to My Saver for automatic savings
*When you meet certain account qualifications during a monthly qualification cycle. Click here to learn more

My Tunes Checking
 
Earn online purchase reimbursements*
  • $25 minimum deposit to open
  • No minimum balance requirement
  • No monthly maintenance charge
  • Debit/ATM card required
  • Receive reimbursements for online purchases from iTunes, Amazon.com or Google Play(Limits apply)
  • Refunds on ATM withdrawal fees - nationwide* (Limits apply) 

*When you meet certain account qualifications during a monthly qualification cycle. Click here to learn more

 
First Express Checking

Basic checking
  • $25 minimum balance to open
  • No minimum balance requirement
  • No monthly maintenance charge
  • Free welcome pack wallet checks
  • Debit/ATM card available


Student Checking¹
 
Great starter account
  • $25 minimum balance to open
  • No minimum balance requirement
  • No monthly maintenance charge²
  • Free welcome pack wallet checks
  • Debit/ATM card available
1Must be at least 16 years of age. Minors under 18 must have an adult as a joint owner
2$1 fee per check over 5 checks in statement cycle.