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Citizens Equity First Credit Union Checking Account

in Checking Accounts

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Citizens Equity First Credit Union Checking Account

Unaffiliated

in Checking Accounts

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Overview

Where does Citizens Equity First Credit Union Checking Account do business?

Citizens Equity First Credit Union Checking Account is a credit union based in Peoria, IL. It was founded in 1937 and offers checking accounts services in 2 states across the USA.

Citizens Equity First Credit Union Checking Account is not a member of the Federal Deposit Insurance Corporation (FDIC). This means your deposits are not covered by the FDIC if Citizens Equity First Credit Union Checking Account were to fall into financial difficulties.

What APY does Citizens Equity First Credit Union offer?

Citizens Equity First Credit Union Checking Account 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 features and perks does Citizens Equity First Credit Union Checking Account offer?

This account includes the following features:

  • Signup Bonus - Open an account and you will receive a signup bonus of up to $75 if you deposit a minimum of $Qualification criteria include: Open a qualifying new Checking Account by December 31. Have a minimum individual balance of $5,000 or minimum household balance of $10,000. Make five or more purchases of $15 or more in a month with a CEFCU Debit Mastercard®. Have direct deposits totaling $500 or more in a month..
  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Citizens Equity First Credit Union Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What fees does Citizens Equity First Credit Union Checking Account charge?

This account charges a monthly maintenance fee of up to $6.

  • Outgoing domestic bank transfers come with a $25 fee.
  • Incoming domestic bank transfers come with a $10 fee.
  • Outoing international bank transfers come with a $50 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $20 fee.
  • Citizens Equity First Credit Union Checking Account charges $5 every time you request a paper statement.
  • Every returned deposit incurs in a $5 charge.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 2 states
  • California
  • Illinois

Feature Breakdown

APY Minimum Balance
$2,500
Minimum Initial Deposit
$25
Minimum Combined Balance to Avoid Monthly Fee
$5,000
Minimum Direct Deposit to Avoid Monthly Fee
$200
No Fees
ATM Fee: In-Network
$0
Early Account Closure
$0
Online Bill Pay Fee
$0
List of Fees
Monthly Fee
$0 - $6
Paper Statement Fee
$5
ATM Fee: Out-of-Network
$1
NSF Fee
$30
Overdraft Protection Fee (per transfer)
$8
Overdraft Item Fee
$30
Returned Deposit Fee (Domestic)
$20
Debit Card Replacement Fee
$10
Stop Payment Fee
$15
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
Bank Account Features
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
Signup Deposit Requirements
Qualification criteria include: Open a qualifying new Checking Account by December 31. Have a minimum individual balance of $5,000 or minimum household balance of $10,000. Make five or more purchases of $15 or more in a month with a CEFCU Debit Mastercard®. Have direct deposits totaling $500 or more in a month.
Signup Bonus
$75
Percentage
APY
0.1%
  0% 5%

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