Citizens Equity First Credit Union Dividend Checking
in Checking Accounts from Citizens Equity First Credit Union
UnaffiliatedCitizens Equity First Credit Union Dividend Checking
in Checking Accounts from Citizens Equity First Credit Union
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| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 - $6 |
| ATM Fee: Out-of-Network | $1 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
| APY (Annual Percentage Yield) | 0.1% |
Citizens Equity First Credit Union Dividend Checking Review
Citizens Equity First Credit Union Dividend Checking is offered by Citizens Equity First Credit Union, a credit union founded in 1937 and based in Peoria, IL. Citizens Equity First Credit Union Dividend Checking is available in 2 states across the USA.
Key Takeaways
- Low APY. The maximum annual percentage yield for this account is only 0.1%, and you must keep a minimum balance of $2500.
- Charges a monthly fee. This account charges a monthly maintenance fee of up to $6, but the fee is waived if you keep a minimum balance of $2500.
- 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.
- Free bill pay. Pay your bills to practically anyone in the United States through Citizens Equity First Credit Union.
- Hard credit pull. Citizens Equity First Credit Union may require a hard pull on your credit report to open a checking account.
Citizens Equity First Credit Union Dividend Checking Pros & Cons
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Citizens Equity First Credit Union Dividend Checking FAQ
Are checking accounts from Citizens Equity First Credit Union federally insured?
No, your Citizens Equity First Credit Union checking accounts are not insured by a federal insurance agency. This means that if Citizens Equity First Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.
What APY does Citizens Equity First Credit Union Dividend Checking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.1% |
Citizens Equity First Credit Union Dividend Checking offers an APY of 0.1% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $2500.
What are the account minimums for Citizens Equity First Credit Union Dividend Checking?
Citizens Equity First Credit Union Dividend Checking requires a minimum initial deposit of $2,500 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $2500 |
| APY Minimum Balance | $2,500 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
What fees does Citizens Equity First Credit Union Dividend Checking charge?
This account charges a monthly maintenance fee of up to $6.
| Description | |
|---|---|
| Monthly Fee | $0 - $6 |
| Paper Statement Fee | $5 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $1 |
| NSF Fee | $30 |
| Overdraft Protection Fee (per transfer) | $8 |
| Overdraft Item Fee | $30 |
| Early Account Closure | $0 |
| Returned Deposit Fee (Domestic) | $20 |
| Debit Card Replacement Fee | $10 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $15 |
| Check Image Service | N/A |
| Check Copy | N/A |
| Foreign Transaction Fee (Debit Card) | 1% |
| Wire Transfer Fee - Domestic (Outgoing) | $25 |
| Wire Transfer Fee - International (Outgoing) | $50 |
| Wire Transfer Fee - International (Incoming) | $20 |
| Returned Deposit Fee (International) | $20 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does Citizens Equity First Credit Union Dividend Checking offer?
This account includes the following features:
- Fraud monitoring - Citizens Equity First Credit Union Dividend Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Citizens Equity First Credit Union Dividend Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Contact
- Headquarters
-
5401 W Dirksen Pkwy
Peoria, IL 61607 - (309) 633-7000
- Visit Site
Other Services by Citizens Equity First Credit Union
Availability
Available in 2 states
- California
- Illinois
Feature Breakdown
| APY Minimum Balance | $2,500 |
| Minimum Initial Deposit | $2,500 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
Citizens Equity First Credit Union Dividend Checking Community Reviews
Would you recommend Citizens Equity First Credit Union Dividend Checking to your friends?
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