Personal Checking Comparison Chart

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$0.01 & over daily collected balance. Rates based on meeting qualifications and balance. $1,000 & over daily collected balance $500 & over daily collected balance Does not earn interest  Tiered-rate structure beginning at $2,500 daily collected balance  All balances 
Monthly Service Fee $0  $4 for age 50+
$7 for under 50 
$8
(waived with $500 daily balance) 
$0  $15
(waived with $2,500 daily balance) 
$0 
Checks  Charge  Two boxes per year FREE  Two boxes per year FREE  Charge  FREE checks  Charge 
Checkwriting  Unlimited Unlimited Unlimited Unlimited   Limited to six per month  $1 fee for each check
Visa Check Card  FREE at all Citizens First ATMs. If qualifications are met, up to $25 in ATM fee rebates per month.  FREE at all Citizens First ATMs  FREE at all Citizens First ATMs  FREE at all Citizens First ATMs  FREE at all Citizens First ATMs  FREE at all Citizens First ATMs 
Safe Deposit Box  Charge  50% off annual fee on one box  50% off annual fee on one box   Charge  Charge  Charge 
Other Details  Minimum qualifications to earn higher interest and receive ATM rebates:  12 debit card transactions post and settle, one direct deposit or ACH debit post and settle, enroll and receive eStatements, must be Kentucky or Tennessee resident.  No fees for traveler's checks or notary services. One free stop payment per month.  No fee for traveler's checks or notary services.    $15 charge if account is closed within 90 days of opening.  $25 setup fee; Primary account access is by Visa Check Card. 
All Accounts  FREE Online Banking, Bill Pay and Telephone Banking. Minimum opening deposit of $100.