Last Updated: 01/21/2026
Citizens Equity FCU Dividend Checking
Unaffiliated
Last Updated: 01/21/2026
Explore a similar product
Try this top product in Checking Accounts
Chase Total Checking®
Strongly recommended105 reviews
Community Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreCompare All Checking Accounts
Filter & compare all your options in one place.
Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0 - $6(Verified 01/21/2026)
Disclaimer popup with additional information
Citizens Equity FCU Dividend Checking Review
The Citizens Equity FCU Dividend Checking is offered by Citizens Equity First Credit Union, a credit union founded in 1937 and based in Peoria, IL. CEFCU checking account is available in 2 states.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.10% .
- Charges a monthly fee. This account charges a monthly fee of up to $6, but the fee may be waived if you keep a minimum balance of$2,500.
- Large minimum initial deposit. You need a minimum deposit of $2,500 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Citizens Equity First Credit Union mobile or online banking.
CEFCU checking account Pros & Cons
| Pros | Cons |
|
|
CEFCU checking account FAQ
Are checking accounts from Citizens Equity First Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does CEFCU checking account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
CEFCU checking account offers an APY of 0.10% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $2500.
What are the account minimums for CEFCU checking account?
CEFCU checking account requires a minimum initial deposit of $2,500.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $2,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $2,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $2,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does CEFCU checking account charge?
This account charges a monthly maintenance fee each statement cycle of up to $6.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does CEFCU checking account charge overdraft fees?
Yes, CEFCU checking account charges a $30 fee for every overdraft.What features and perks does CEFCU checking account offer?
This account includes the following features:
- Fraud monitoring - CEFCU checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - CEFCU checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for CEFCU checking account?
The customer support email for CEFCU checking account is email@cefcu.com.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from CEFCU checking account
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
8:00AM - 12:00PM
Other Services by Citizens Equity First Credit Union
Community Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
0
-1000+100
No one recommends
Everyone recommends
Citizens Equity FCU Dividend Checking Community Reviews
Would you recommend Citizens Equity FCU Dividend Checking to your friends?
U
Anonymous
Aug 3, 2015
May or may not recommend
The Citizens Equity First Credit Union has been around since the 1930s, has $5 billion in assets and 300,000+ members, so you can be assured that it's not a fly-by-night operation. You need $25 to open an account but there are no monthly fees. NSF fees are lower than average at $25.
Showing 1 of 1 reviews
You might also like
Best Checking Accounts
SuperMoney
Checking and Savings Accounts: How To Make Them Work Together
Audrey Henderson
Opening a Joint Account: The Definitive Guide
Jessica Walrack
SIPC Crushes Robinhood's Checking & Savings Account
Heather Popovic
Traveler's Checks Alternatives: The Definitive Guide
Jessica Walrack