Personal Checking Accounts

Personal Direct Deposit Account  Do you receive direct deposit from your employer? Or, do you receive a monthly electronic transfer from Social Security or another government agency? City First Bank offers you a Personal Direct Deposit Account with a minimum deposit of $100, free of service charges with at least one direct deposit a month. 

Regular Personal Checking Account Looking for a simple checking account with a low minimum balance and no limitations on withdrawals? You’ll need only $100 to open a City First Regular Personal Checking Account.

Personal Interest Checking Account  For depositors who want a simple checking account with no limit on withdrawals and interest earned on a monthly balance, City First presents its Personal Interest Checking Account, opened with a minimum of just $250.

 

  Personal Direct Deposit
Minimum to Open $100
Monthly Service Charge No service charge with at least one direct deposit a month; otherwise a $5 monthly service charge applies.
Minimum Balance Required None
Interest Bearing? Non-interest bearing
Withdrawal Limitations None

 

  Regular Personal Checking
Minimum to Open $100
Monthly Service Charge $5 monthly service charge applies if minimum balance requirement is not met.
Minimum Balance Required $100
Interest Bearing? Non-interest bearing
Withdrawal Limitations None

 

  Personal Interest Checking
Minimum to Open $250
Monthly Service Charge $8 monthly service charge applies if minimum balance requirement is not met.
Minimum Balance Required $250
Interest Bearing? Yes! Interest paid monthly.*
Withdrawal Limitations None

* For more information, or to receive a copy of our Truth in Savings Act Disclosure, please click here.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

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