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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
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Citizens Equity First Credit Union Dividend Checking

Unaffiliated
in Checking Accounts from Citizens Equity First Credit Union
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.

Rating not yet determined  

0 users recommend
1 user is unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.10%
(Verified 08/08/2022)
Monthly Fee $0 - $6
Minimum Balance to Avoid Monthly Fee Starting at $2,500

Citizens Equity First Credit Union Dividend Checking Review

Citizens Equity First Credit Union Dividend Checking is offered by Citizens Equity First 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
  • Higher than average APY. Citizens Equity First Credit Union Dividend Checking has an annual percentage yield of up to 0.10%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $2500.
  • Charges a monthly fee. This account charges a monthly service 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.
CEFCU checking account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • 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.
CEFCU checking account 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 CEFCU checking account offer?

Citizens Equity First Credit Union Dividend Checking Rates & Terms
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 to open an account.

Citizens Equity First Credit Union Dividend Checking Minimums
Description
Minimum Balance to Earn APY $2,500
Minimum Opening Deposit Starting at $2,500
Minimum Balance to Avoid Monthly Fee Starting at $2,500

What fees does CEFCU checking account charge?

This account charges a monthly service 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 Starting at $1

Does CEFCU checking account charge overdraft fees?

Yes, CEFCU checking account charges a $30 fee for every overdraft.

CEFCU checking account offers overdraft protection at a cost of $8 per transaction.

What features and perks does CEFCU checking account offer?

This account includes the following features:

What is the customer support email for CEFCU checking account?

The customer support email for CEFCU checking account is email@cefcu.com.

How do people rate the customer service and user experience of CEFCU checking account?

Overall, CEFCU checking account is mostly recommended based on community reviews that rate customer service and user experience.

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Message From Citizens Equity First Credit Union

Don’t fall for big promises… choose Checking that’s better! Members have free access to nearly 30,000 ATMs… more than two Top Ten banks, combined. Dividend Checking, All the benefits of a Checking account, plus dividends.

Availability

  Available in 2 states
  • California
  • Illinois

Feature Breakdown

Minimum Balance to Earn APY $2,500
Minimum Opening Deposit Starting at $2,500
Minimum Balance to Avoid Monthly Fee Starting at $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 Starting at $1
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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
  • Insured by NCUA
  • Branch Access
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.10%
(Verified 08/08/2022)

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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