Personal Checking Comparison Chart

Balance to Earn Interest
Click here for
Rate Center

Tiered-rate structure beginning at $5,000 daily collected balance

Does not earn interest

$0.01 & over daily collected balance. Rates based on meeting qualifications and balance.

Does not earn interest 

Tiered-rate structure beginning at $2,500 daily collected balance

All balances

Monthly Service Fee

$15 (waived with $5,000 daily balance)

$5 with eStatement; $7 with paper statement

$5 (waived with eStatement)

$5 (waived with eStatement or a daily balance of $1,000)

$15 (waived with $2,500 daily balance)

$0

Checks

Two boxes per year FREE

Charge

Charge

Charge

FREE checks

Charge

Checkwriting

Unlimited

Unlimited

Unlimited

Unlimited

Limited to six per month

$1 fee for each check

Visa Check Card

FREE at all Citizens First ATMs

FREE at all Citizens First ATMs

FREE at all Citizens First ATMs. If qualifications are met, up to $25 in ATM fee rebates per month.

FREE at all Citizens First ATMs

FREE at all Citizens First ATMs

FREE at all Citizens First ATMs

Safe Deposit Box

50% discount annually on one (1) safe deposit box rental (subject to availability)

Charge

Charge

Charge

Charge

Charge

Other Details 

Benefits

• Unlimited access to BaZing savings
• Cell phone protection
• Identity theft protection
• Roadside assistance
• Pharmacy, vision and hearing savings
• $10,000 Travel accidental death coverage
• Great interest on your checking balance

Benefits

• Unlimited access to BaZing savings
• Cell phone protection
• Identity theft protection
• Roadside assistance
• Pharmacy, vision and hearing savings
• $10,000 Travel accidental death coverage

• Twelve (12) VISA Check Card transactions post and settle to the account each statement cycle. ATM transactions are excluded.
• One (1) direct deposit or ACH debit transaction.
• Enroll and receive eStatements.
• Monthly login to Online Banking required.
• Must be a full-time resident of Kentucky or Tennessee.
• Limit one account per social security number.
• If all specified criteria are met, up to $25.00 in ATM fees will be refunded per statement cycle.

$15 charge if account is closed within 90 days of opening.

$25 setup fee; Primary account access is by Visa Check Card.

All Accounts

FREE Online Banking, Bill Pay and Telephone Banking. Minimum opening deposit of $100.