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 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 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 about My Rewards Checking Qualifications.
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 about My Tunes Checking Qualifications.
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
- Debit/ATM card available
1Must be at least 11 years of age. If primary account owner is under the age of 18, must have an adult (18 or older) as a joint owner
2$1 fee per check over 5 checks in statement cycle.