Simplify your Busy Life
Confused by all the different checking accounts that are out there? So are we! That’s why at CitizensFirst, you’ll only find one, single checking account, wrapped up with all the best services we have to offer for every member, right up front. Plus, open your checking account and get a convenient CheckCard in your hands immediately with our Instant Issue service. Checking is simple at CitizensFirst -- just say “checking” and go!
Instant Issue CheckCard
With a Personal Checking Account at CitizensFirst, you can have the most convenient access to your checking account with an Instant Issue 1 CheckCard. Also known as a “debit card,” a CheckCard looks just like a credit card, but is tied to the funds in your checking account. As you make purchases – in person, over the phone, or even online – your funds are automatically withdrawn from your checking account.

Plus, you can use your CheckCard for instant access to your checking account cash at any of our FREE ATM's, as well as at ATM’s and retailers all around the world. All transactions are safely guarded by our Falcon Fraud Block protection program that helps identify suspicious transactions early to keep your debit card protected from unauthorized use. Save time, money – and even a tree or two – by getting your Instant Issue CheckCard today!
Personal Checking
Other Resources
Whether you’re paying your electricity bill, the babysitter or the pizza delivery guy, our Personal Checking Account is loaded with lots of extras to help get you through your day:
  • No minimum balance.
  • FREE online home banking: check balances, transfer funds, download home budgeting tools and more right from your own home!
  • FREE eBillPay: pay your bills with funds right from your checking account via your home computer.
  • FREE CheckCard cash withdrawals and transactions from thousands ofATM’s nationwide.
  • FREE CheckCard purchases at retailers and online; no more time-consuming check writing for groceries, gas, clothing, etc.
  • FREE monthly eStatements.
  • FREE eLerts: to have notices sent directly to your email regarding your account balances or transactions.
  • FREE MemberLine 24/7 telephone banking: check balances, transfer funds and more from your telephone!
  • Overdraft Protection and Overdraft Protection Plus available. 2
  • Access to thousands of check designs and accessories.
1 Instant Issue, or same-day issuing service, is available in-person at branch locations only. Allow 2-3 weeks for delivery of CheckCards and Personal Identification Number (PIN) if applying online or by telephone.
2 $10 fee for honoring checking overdrafts and $32 fee for honoring CheckCard overdrafts. See fee schedule here.
CitizensFirst Credit Union
P.O. Box 3046
Oshkosh, WI 54903-3046
Local: 920-236-7040
Toll-Free: 800-448-9228
info@citizensfirst.com
Routing #275981187