Personal Services
For more information on our Personal Services please contact us at any our bank locations.
Blue
Royal Blue
Senior Blue
eBlue
College Blue
Reserve Account
ATM Card
VISA or MasterCard
IRA's
Money Market Accounts
Savings Accounts
Minimum Opening Deposit - $100
$5.00 monthly service charge if balance falls below $100
No deposit or check writing limitations
Checks available – fee varies depending on the style
Monthly statement with images (mail or email)
ATM or VISA Debit Card available
Internet banking
Telephone banking
NOW account offered on balances of $1,000 or more
Minimum Opening Deposit - $100
$10.00 monthly service charge
No deposit or check writing limitations
Free personalized checks (limit 4 orders of 160/order per year)
Monthly statement with images (mail or email)
ATM or VISA Debit Card available
Free cashier’s checks and money orders
Free copies, fax service and notary service
Free safe deposit box
NOW account offered on balances of $1,000 or more
Minimum Opening Deposit - $100
$5.00 monthly service charge
No deposit or check writing limitations
Free personalized checks
Monthly statement with images (mail or email)
ATM or VISA Debit Card available
Free cashier’s checks and money orders
Free copies, fax service and notary service
Free Safe Deposit Box
NOW account offered on balances of $1,000 or more
Minimum Opening Deposit - $100
No monthly service charges
Checks available – fee varies depending on the style
Interest earned on balance
Higher interest rate earned if the following requirements are met:
Make 15 VISA Debit card transactions per statement cycle
Make 1 automatic deposit per statement cycle
Make 1 automatic withdrawal per statement cycle
Receive an emailed statement instead of paper
Write no more than 10 checks per statement cycle
Account for full time students 24 years of age and younger
Minimum Opening Deposit - $100
No monthly service charges
No deposit or check writing limitations
Checks available – fee varies depending on the style
Monthly statement with images (mail or email)
ATM or VISA Debit Card available
Internet banking
Telephone banking
No foreign ATM charges ($1 fee to use another bank’s ATM)
What is Reserve Account?
Reserve Account is a regular checking account plus a personal line of credit, all in one checkbook. It's your ready source of funds when you need them. It lets you write yourself a loan, anytime and anyplace... in the privacy of your own checkbook.
Now, you can enjoy the same "line of credit" that helps businesses respond to cash flow crises and take advantage of cash-management opportunities. With Reserve Account we'll set up a cash reserve of $500 to $5,000 or more just for you. You can draw on this reserve at any time simply by writing a personal check.
What does it Cost?
Not a penny unless you use it. And when you do choose to write a personal loan with your Reserve Account, you'll pay a FINANCE CHARGE as specified in your Reserve Account agreement. For more information, please call us at 815-379-2141.
Cash when you need it.
Overdraft protection.
No cost until you use it.
Flexible repayment.
No special checks.
Easy application.
Completely confidential.
Peace of mind.
Having our ATM card is like having your own personal teller. It's there when you need it to complete a variety of transactions-without having to come directly to Citizens First State Bank. You can withdraw, deposit, or transfer funds any time of day, anywhere one of our many machines is located.
Fast and easy
Now there's no need to drive across town to get cash, deposit your paycheck, or transfer funds from one account to another. One of our ATMs is probably close to where you work or shop. So, you can take care of your financial business, without taking a lot of time.
Worry free when you're out of town
No need to worry about running out of money when you're out of town. Your card can be used at many ATMs around the country-even around the world.
Safeguarded if lost or stolen
When you receive your ATM card, you'll also be assigned a personal identification number (PIN). It's added security against someone making transactions without your consent.
Apply for yours today
Start enjoying the convenience of your own ATM card today. To apply, just fill out an application at any of our locations.
Get more buying power with a MasterCard or VISA from Citizens First State Bank. Fill out an application at any of our locations today.
Reduce Taxes and Save for your retirement with one of our Retirement Plans for individuals. For more information, please call us at 815-379-2141.
Our account designed for those wanting a higher interest rate but who do not need to do a lot of monthly transactions.
No monthly service charge if you maintain a minimum balance of $2,500.
Earn interest on your funds each month. The interest rate is variable and is subject to change from time to time.
Limited to six (6) withdrawals or transfers per month, of which no more than three (3) may be checks. There is a fee of $5 per transaction for each transaction over the allowed amount.
Minimum withdrawal amount is $500.
If your balance falls below the minimum there is a $15 monthly fee.
Our regular savings account is available to individuals as an investment vehicle.
Low minimum of $25 to open the account. You must maintain a $25 balance at all times to avoid a $1 service charge for every month that the balance falls below $25.
Maintain a $100 balance to earn the disclosed interest rate.
Earn interest on your funds. The interest rate is variable and is subject to change from time to time.
Accounts closed within 99 days of opening are charged a
closing fee of $5.
You get 12 free withdrawals per quarter. For any over 12 you will be charged $1 per withdrawal. ATM withdrawals do not count.
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