Personal Checking

We offer a checking deposit product to meet your needs.

If you’re with another institution, we invite you to switch your personal checking accounts to Citizens Federal Savings Bank. With the help of our expert staff, It’s quick and easy! If you would like more information on our deposit accounts, click here. Or, simply stop by one of our convenient locations and we will be most happy to help. You can also reorder checks anytime using using our secure Check Reorder Form.

  • FREE unlimited ATM transactions at Citizens FSB
  • FREE Citizens FSB Debit Card available upon approval
  • FREE Online Banking, Mobile Banking, and Bill Pay
  • FREE Check images, via eStatements for easy record keeping
  • FREE easy-to-balance monthly eStatement
  • Overdraft privilege service available upon approval


FREEdom Checking
Our most popular personal checking account product:

  • No minimum balance
  • No monthly service charge*
  • No per check charge
  • Unlimited check writing

50 Plus Account

  • FREE for customers 50 and over!
  • Competitive Interest Rate
  • Only $5.00 per month if minimum balance falls below $100*
  • 25 free check transactions, $.15 per check after 25
  • Unlimited check writing
  • Free Money Orders up to $1,000.00

All American Account

  • An account for those interested in higher interest!
  • Competitive interest with balances of $500 or more
  • 25 free check transactions, $.15 per check if balance falls below $500
  • Only $3.00 monthly charge if minimum balance falls below $499.00 and $5.00 monthly charge if balance falls below $299.00*

Money Market Account

  • May earn higher interest if maintained balance is above $2,500
  • Limited to 6 transfers per statement cycle, (service charge after 6 transfers)
  • No monthly service charge if balance is $500 or more*
  • $1,000 minimum to open account

Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Minimum opening deposit is only $50 except Money Market has a minimum opening deposit of $1,000. Ask for details. * Paper statements are $3.00/mo. fee per account and no charge for eStatements. Customer purchases checks.