Checking

Savings

Insured Money Market Fund

Health Savings Accounts

Certificates of Deposit

Online Banking

Bill Payment

Safe Deposit Boxes

Telephone Banking

Checking

Citizens First National Bank believes in offering you a checking account that fits your lifestyle. We have several accounts to choose from - including the 3 featured accounts below. Stop in or telephone our experienced Customer Service staff; we'll help you put your money to work for you.

* Interest is credited monthly and requires a minimum balance. Rate may change.
** Unlimited check writing is free if minimum balance requirements are met.
*** Overdraft Protection is available at a fee of $5.00 + tax per sweep.
**** Other fees may apply. Minimum age of 18.
***** Free checks (1 box) are given with account opening. Additional boxes may be free based on the average balance maintained in the account.

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Savings

Are you looking for an account that has earning power and flexibility? Citizens has an investment option for you! We offer many savings vehicles - including our 2 featured products below. Stop in or telephone our experienced Customer Service staff to find the best match for you.

* Interest is credited quarterly and requires a minimum balance. Rate may change.
** Check writing is limited to 3 per month. Six debits are available each monthly, including check writing.
*** Overdraft Protection is available at a fee of $5.00 + tax per sweep.
**** Other fees may apply. Minimum age of 18.
***** ATM cards are available with a Regular Savings account. Applicant must be 14 years of age or older.

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Insured Money Market Fund

Savings with checking convenience:

• An interest bearing account
• May make six transfers (three of these may be checks) from account per four weeks or similar statement cycle
• May be used for three checks, drafts, debit card or similar withdrawal order per four weeks or similar statement cycle
• May obtain checks for this account
• No monthly maintenance fee if $500 daily balance maintained
• Unlimited deposits may be made to the account
• Any business or person may have an IMMF
• A flexible safe way to save money without the restrictions of a certificate of deposit

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Health Savings Accounts (HSAs)

Savings with tax benefits and used for medical expenses

Health Savings Accounts (HSAs) are designed to help people save for qualified medical and retiree health expenses on a tax-free basis.  You own and you control the money in your HAS.  Every year the money not spent stays in the account and gains interest tax-free.  Unused amounts remain available for later years, so you can budget for medical expenses from year to year.  A HSA at The Citizens First National Bank of Storm Lake, Iowa is a great way to save for your future needs – if you do not use the funds saved for medical expenses they are available for your withdrawal and use in future years.

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Certificates of Deposit

Penalty may be assessed for early withdrawal

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Online Banking

Banking at your convenience...

• View transaction history - see transactions as they are clearing your account
• Check balances
• Make loan payments
• Purchase savings bonds
• Upload or download your statements into Microsoft Money or Quicken
• Initiate a stop payment on an account
• Transfer money between accounts
• Reorder checks
• Receive notifications on balance information
• Research checks, deposits, past statements and more!

Have you ever wondered about Online Bill Payment? Have you asked yourself… Is it safe? Is it secure? Will my bills be paid on time? The answer is YES!

The Citizens First National Bank provides safe, secure, easy online bill payment that reduces the time you spend paying bills by at least 50%.

Pay anyone you would normally pay by check – including the electric bill – at your convenience. Your payments are sent with the click of a mouse and there is no hassle of finding envelopes, stamps or writing out checks.

• Set up the people & companies you want to pay one time – that’s it.
• Schedule payments for the date you want it paid – set your payments up a week, month or even a year in advance
• Pay recurring bills automatically
• Review your payments at any time

To get started simply choose the “Pay Bills” tab on your online banking screen. You will be asked to register before beginning to make your online payments – our experienced staff is available to assist you.

Online Banking is secure, easy and FREE*. To bank online you must have an account at The Citizens First National Bank of Storm Lake, Iowa.

Minimum Computer / Internet Requirements

Microsoft Internet Exporer 6.0 or higher browsers are supported on Microsoft Windows and Netscape 7.0 or higher browsers are supported on Macintosh. The latest version of Microsoft Internet Explorer and Netscape works best with Internet Banking.

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Bill Payment

Now you can pay your bills in a SECURE, FAST, and EASY way. By using Bill Payer at the Citizens First National Bank.

• All account information is encrypted for your protection
• Payments are made on the date you specify
• Pay all of your bills in minutes
• For a free demonstration contact one of our customer service representatives today

Bill payment is $4.00 + tax per month and includes 10 transactions. Each transaction thereafter is
the current price of a 1st class postage stamp.

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Safe Deposit Boxes

Safely keep what you can’t afford to lose

Keep your valuables safe and secure

You can protect your most valuable possessions from loss, theft or accidental destruction with a safe deposit box from the Citizens First National Bank. We offer a wide selection of box sizes at our main location and Early branch.

Take a personal inventory

Review the items you are considering storing before coming in to select a box size; this will assist us in helping you find a box that will best fit your needs. Typical items to store include:

• Bills of sale / contracts
• Birth Certificates
• Bonds
• Insurance Policies
• Jewelry / Medals
• Heirlooms
• Marriage Certificate
• Military Records
• Mortgages / Deeds
• Passports
• Rare Coins
• Savings Passbooks / Certificates
• Social Security Records
• Stamp Collections
• Stock Certificates
• Tax Records
• Wills

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Phone Banking

Just dial 732-5000 or 888-732-5440

The Citizens First National Bank offers FREE telephone banking which allows you to make account
inquiries and transactions 24 hours a day, 7 days a week, from any TouchTone telephone in
the United States.

To get started all you need is your account number, your four digit Personal Identification Number
(PIN) and a TouchTone phone.

Customer 1st Phone Banking is convenient, simple to use, and completely confidential. Your
account information will be accurate as of the previous business day. The following transactions
are available:

• Check current balances
• Inquire about a specific check
• Find out if last deposit has been credited
• Transfer money between checking and savings
• Obtain transaction history (in groups of 6 checks)
• Find out if ATM transactions have cleared
• Review interest earned/paid to the account
• Find current loan balance and payment due
• Check certificate of deposit balance, interest information, and maturity date

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