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  Citizens Equity First Credit Union Dividend Checking

Citizens Equity First Credit Union Dividend Checking

in Checking Accounts from Citizens Equity First Credit Union · Member ncua

Unaffiliated

Citizens Equity First Credit Union Dividend Checking

Unaffiliated

in Checking Accounts from Citizens Equity First Credit Union · Member NCUSIF

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
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) 0.05%

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 0.05%.
  • 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 $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.
  • 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
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 2 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.
Citizens Equity First Credit Union Dividend Checking FAQ

Are checking accounts from Citizens Equity First Credit Union federally insured?

Yes, your Citizens Equity First Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 Citizens Equity First Credit Union Dividend Checking offer?

Citizens Equity First Credit Union Dividend Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

Citizens Equity First Credit Union Dividend Checking offers an APY of 0.05% (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.

Citizens Equity First Credit Union Dividend Checking Account Minimums
Description Amount
Minimum Opening 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.

Citizens Equity First Credit Union Dividend Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $10
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $6
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $8
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $20
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $20
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $1

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
  •   Visit Site

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

Availability

  Available in 2 states
  • California
  • Illinois

Feature Breakdown

APY Minimum Balance $2,500
Minimum Opening Deposit Starting at $2,500
Minimum Balance to Avoid Monthly Fee $2,500
ATM Fee: In-Network $0
Early Account Closure $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $6
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $8
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $20
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $20
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $1
Bank Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • NCUA Member
  • Branch Access
APY (Annual Percentage Yield) 0.05%

Citizens Equity First Credit Union Dividend Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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