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Personal Checking

At Citizens First, we provide options for your personal checking account needs. Visit our comparison chart to find the right account for you.


Platinum Plus

Platinum Plus is the account that rewards you when you use it. Just by meeting simple qualifications each month, you can earn a premium interest rate on your money.


  • 12 debit card transactions post and settle
  • One direct deposit or ACH debit transaction post and settle
  • Enroll and receive eStatements
  • Log-on to your Online Banking account each monthly statement cycle
  • Must be Kentucky or Tennessee resident
Citizens First Club

Citizens First Club is ideal if you want all of the features of a checking account plus value-added benefits.


  • Identity Theft 911 helps you with the problems created by identity theft.
  • $10,000 Accidental Death Insurance (divided evenly if joint account)
  • $20,000 Common Carrier Insurance (divided evenly if joint account)
  • Travel Emergency Assistance
  • Living Family Journal
  • Prescription Drug Discounts
  • Vision Care Savings
  • Shopping and Dining Discounts
  • Hotel and Motel Discounts
  • Car Rental Discounts
Golden Wheat

Golden Wheat is designed for clients age 50 and over. It provides you with lower minimum balance requirements while also earning a competitive interest rate on your money.

Stress Free Checking

Stress Free Checking is a simple, no-hassle checking account that requires no minimum balance, allows unlimited check writing and has no monthly service fee.

Money Market Account

Maximize your earnings with an account that rewards you with competitive interest rates in a tiered-rate structure. This account is ideal for saving but also has the accessibility of a checking account.

Health Savings Account (HSA)

This account allows clients currently enrolled in an HSA-qualified high-deductible health plan (HDHP) to save for future qualified medical expenses on a tax-free basis. Interest earned on the account and qualified withdrawals are not taxed.



Important Notice to Visa Check Card Users:

Are you planning to travel outside of the United States? If you intend to use your Visa Check Card while traveling, please contact us at 888-232-9901 so that we can make sure you will have access to your account while you are away.