Citizens First Bank Promotions: $100 Checking, Referral Offers [IA]

Find an updated list of Citizens First Bank promotions, bonuses and offers here.

Currently, they have a $100 bonus when you open a new account and meet all the requirements.

Citizens First Bank Promotions Review

• Bonus Link:
  • $100 Checking Bonus
  • $100 Referral Bonus
• Account Type: Ba$ic, Ca$h Rewards, Plu$ Rewards, Intere$t Rewards checking account
• Availability: IA
• Branches: 3 Branches (Bank Locator)
• Credit Inquiry: Hard Pull 
• Direct Deposit Requirement: Yes
• Credit Card Funding: Unknown
• Early Termination Fee: Bonus forfeit if closed within 6 months of opening.

For more current offers, check out our bank bonuses page. Compare Citizens First Bank rates for CDs and Savings with our best rates for Savings  and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.

I’ll go over Citizens First Bank offers below.

Citizens First Bank $100 Checking Bonus

• What you’ll get: $100 bonus
• Where it’s available: IA
• How to earn it:
  • Bonus qualifications include a deposit of your primary source of income (disability, retirement, social security, payroll)
  • Have 2 debits posted and cleared within the first 60 days of account opening.
  • Open with qualifying opening deposit
• When it expires: None listed

(No expiration date listed)

Citizens First Bank $100 Referral Bonus

• What you’ll get: $100 bonus
• Where it’s available: IA
• How to earn it:
  • The bonus is available for new Ba$ic, Ca$h Rewards, Plu$ Rewards, and Intere$t Rewards checking accounts.
  • Minimum deposit of $100.00 to open account.
  • You will receive $100.00 Bonus credited to your account within 30 days after meeting the Bonus qualifications.
  • Have 2 debits (ACH, check, electronic transaction, bill pay, POS) posted and cleared within the first 60 days of account opening.
• When it expires: None listed

(No expiration date listed)

Citizens First Bank (IA) is headquartered in Clinton and is the 108^th largest bank in the state of Iowa. It is also the 2,830^th largest bank in the nation. It was established in 2000 and as of March of 2019, it had grown to 45 employees at 3 locations.

Checking Account Bonuses

Citizens First Bank offers cash bonuses for new checking customers from time to time. Sometimes you have to open a checking plus savings account package to earn these bonuses. These promotion provide fantastic accounts with great services and features.

As an added perk, All Citizens First Bank checking accounts offer free online banking, mobile banking, and mobile deposits.

Special Checking Account Features

All Citizens First Bank checking accounts come with these features.

• Citizens First Bank Debit Card:Free Debit Card Transactions At Merchants and CFB ATMs
• Online Banking: Manage your accounts from almost anywhere with CFB online banking services
• Cashier Checks: Free Cashier’s Checks & Money Orders Personal, Basic Checks one free box per year

What to Open at Citizens First Bank

Keep your eye out on these great Citizens First Bank products:

• Checking: You can earn a $100 bonus when you open a new qualifying checking account and complete the requirements. You must sign up and for membership with Citizens First Bank.
• Referral: Earn a $100 bonus when you refer a friend to open a new checking account and complete the requirements.

Citizens First Bank Checking Alternatives

Chase Total Checking®HSBC Advance CheckingTD Convenience CheckingChase Premier Plus Checking^SM

• New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Open an Account

With the TD Convenience CheckingSM Account: • Earn $200 when you receive direct deposits totaling $500 or more within 60 days • Low minimum daily balance of $100 waives the $15 monthly fee. • Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee. • Instantly replace a lost, stolen, or damaged debit card by visiting a TD Bank location near you • Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service. • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring. • Get a 0.25% discount on TD Bank Home Equity and Personal Loans. Apply Now at TD Bank

How to Avoid Citizens First Bank Checking Account Fees

• No Monthly Fee

Savings Account Offers

• Savings: This account earns 0.10% – 1.25% APY. Minimum deposit of $0.01 and there are no monthly service fees
• Savings Certificate:
  • Standard: 0.15% – 2.25% APY. Terms ranging from 7 days – 60 months. Minimum deposit of $500
• Money Market: 0.10% – 0.45% APY, depending on amount. Varying minimum balances to earn APY

Citizens First Bank Savings Alternatives

Discover Online SavingsChase Savings^SMDiscover CDsDiscover Money Market

Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.60% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. Apply Now at Discover What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank.

• Available nationwide online • Discover offers CDs with some of the highest and most competitive rates! • Select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. Apply Now at Discover

• Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.55% APY balances $100,000 and over • Earn 3.50% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs • Get started and open a Discover Money Market Account in 3 easy steps. Apply Now at Discover

Bottom Line

Citizens First bank offers great promotions for you to earn money over time. They also offer online and digital banking, so you’ll be able to access your money anywhere at anytime! You can have peace of mind knowing your money is insured by the FDIC. So if this offer interests you sign up and earn a $100 checking bonus.

Additionally, you can find a full list of the best bank promotions here. Finally, remember to bookmark this page because you will always find an updated list of Citizens First Bank promotions here.