Checking

Savings

Insured Money Market Fund

Health Savings Accounts

Certificates of Deposit

Online Banking

Checkfree Bill Pay

Telephone Banking

CHECKING

Citizens 1st 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 call 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 HSA.  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 Citizens 1st 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...24/7 365 days a year. 

• 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!

Online Banking is secure, easy and FREE*. To bank online you must have an account at  Citizens 1st National Bank of Storm Lake, Iowa. Click on the "Personal Enrollment" tab to sign up today!

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CHECKFREE BILL PAY

Forget to pay the water or electric bill?   No more late night trips to the post office or company drop boxes to make your payment.

The Citizens 1st 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 – 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
• Even have your bills delivered online and out of your mailbox!

To get started simply click on the "Personal Enrollment" 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.

Now you can pay your bills in a SECURE, FAST, and EASY way. By using Checkfree Bill Pay through Citizens 1st 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

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.

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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PHONE BANKING

Just dial 732-5000 or 888-732-5440

The Citizens 1st 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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