Manage your Business Day with Confidence
Whether you need a business checking, savings, or business credit card, CitizensFirst makes it easy to do all the things you need to do as a small business owner. Simple choices, lower fees than many other banks, and a $250,000 guarantee by the National Credit Union Administration (NCUA) make CitizensFirst a smart choice for your business.
Small Business Checking
Rates and Other Resources
For businesses that prefer lower minimum monthly balance restrictions, CitizensFirst offers a non-interest bearing checking account with lots of extras!
Minimum
Balance
$500
Earns
Interest
No
Monthly
Transaction
Fees for
Checkwriting
1st 50 FREE
Monthly
Transaction
Fees for
Deposits
1st 50 FREE
FREE
Online
Banking
Yes
FREE
eStatements
Yes
FREE
eBillPay
Yes
FREE
MemberLine
Phone Access
Yes
 Account   Rate   APY 
 Business Checking 0% 0%
 
See Business Fee Schedule for full disclosures & detailed fee information.

All savings and checking rates are stated as Annual Percentage Yield (APY). We may amend these rates from time to time and we will provide you with reasonable notice of the changes. Reasonable notice may consist of our posting the changes in our lobby or mailing a notice to you. Please refer to your copy of the account card and disclosures your received for other terms and conditions of your account. Fees could reduce the earnings on your account(s).
Business Checking with Interest
Rates and Other Resources
If your business supports average monthly balances greater than $2500, consider opening a CitizensFirst Business Checking with Interest. In addition to being one of the few financial institutions that pays interest on business checking accounts, CitizensFirst also provides tiered interest rates that reward members as they grow their balances!
Minimum
Balance
$2,500
Earns
Interest
Yes
Monthly
Transaction
Fees for
Checkwriting
1st 50 FREE
Monthly
Transaction
Fees for
Deposits
1st 50 FREE
FREE
Online
Banking
Yes
FREE
eStatements
Yes
FREE
eBillPay
Yes
FREE
MemberLine
Phone Access
Yes
 Account   Rate   APY 
 0 - 2,499 0% 0%
 2,500 - 24,999 0.10% 0.10%
 25,000 - 49,999 0.15% 0.15%
 50,000 and up 0.30% 0.30%
 
See Business Fee Schedule for full disclosures & detailed fee information.
Free Coin and Currency
Rates and Other Resources
CitizensFirst offers its business members free rolled coin and strapped currency services at all of our locations. Simply call ahead with your coin and currency needs and give us about 30 minutes or so to get your order ready for pickup. It’s as simple as that!



 
Coin & Currency hotlines
(Rolled coin and strapped currency orders ready in about 30 minutes!)
250 N. Sawyer        (920) 236-7040 x3067
2900 Universal       (920) 236-7980
2655 N. Main          (920) 236-7046
740 W. Johnson      (920) 322-9075
Business Savings
Rates and Other Resources
Business savings accounts are available to businesses for investing excess short-term cash. Business members can open up to 10 savings accounts using just one account number with unique endings, or suffixes, to provide targeted savings for things like equipment, furniture, office supplies, employee gifts and more! It’s a great way to measure progress towards savings goals and keep focused on the purpose of each savings account.
Minimum
Balance
$100
Earns
Interest
Yes
Monthly
Transaction
Fees for
Deposits
1st 50 FREE
FREE
Online
Banking
Yes
FREE
eStatements
Yes
FREE
eBillPay
Yes
FREE
MemberLine
Phone Access
Yes
 Account   Rate   APY 
 Business Savings 0.20% 0.20%
Savings Calculator
See Business Fee Schedule for full disclosures & detailed fee information.
Business Money Market
Rates and Other Resources
Businesses that are able to maintain a higher savings balance are rewarded with tiered interest rates in a CitizensFirst Money Market account.
Minimum
Balance
$2,500
Earns
Interest
Yes
Monthly
Transaction
Fees for
Deposits
1st 50 FREE
FREE
Online
Banking
Yes
FREE
eStatements
Yes
FREE
eBillPay
Yes
FREE
MemberLine
Phone Access
Yes

 
 Account   Rate   APY 
 0 - 2,499 0% 0%
 2,500 - 24,999 0.20% 0.20%
 25,000 - 49,999 0.40% 0.40%
 50,000 and up 0.60% 0.60%
 
See Business Fee Schedule for full disclosures & detailed fee information.
VISA Platinum with Rewards
Rates and Other Resources
Get more for your small business with a no-annual fee, low-interest rate variable credit card from CitizensFirst– WITH rewards! When you use your CitizensFirst Visa Platinum to make purchases for your business, you can earn points for travel awards and merchandise redeemable through our CU Rewards partner.
With your locally-serviced, VISA Platinum with Rewards credit card, you can:
  • Check your credit card expenses and balance online through CitizensFirst Home Banking.
  • Have peace of mind knowing your card is protected from unauthorized usage with FALCON Fraud Block protection.
  • Plus, earn purchase rewards from our CU Rewards partner to redeem on things like:
    • Airline miles (many carriers like United, Continental, Delta, American and more).
    • Car rental and hotel stays
    • Electronics (cell phones, monitors, etc.)
    • Office equipment
  • Over 1500 merchandise awards in 11 different categories to choose from!
1APR tied to prime rate as published in the Wall Street Journal.
CitizensFirst Credit Union
P.O. Box 3046
Oshkosh, WI 54903
Main: 920-236-7040
Toll-Free: 800-448-9228
info@citizensfirst.com
Routing #275981187