Locations & Hours Contact Us Resource Center Online Banking BANKING BORROWING MANAGE ABOUT US Checking Checking Accounts Debit Cards Apple Pay When it comes to checking accounts, most people end up paying too much for too little. We’ve designed our checking accounts for you, our members, who enjoy getting greater services for less money. Choose from three accounts: Direct Deposit Checking, Checking Plus, Regular Checking Direct Deposit Checking Citizens’ Premier Checking Account for Members with Direct Deposit.* 1.00% APY† No Monthly Service Charge $600 in Overdraft Protection Free Internet Banking Free Check Images Online Free Debit Card Transactions Unlimited Check Writing Free Online BillPay Checking Plus Citizens’ Checking Account designed for Members without a Direct Deposit who write 10 or less checks per month. No Monthly Service Charge Free Debit Card Transactions $1.00 per item after first 10 checks $400 in Overdraft Protection Free Internet Banking Free Check Images Online Free Online BillPay Regular Checking Citizens’ Checking Account designed for Members without a Direct Deposit who write 10 or more checks per month. No Monthly Service Charge with minimum of $500 per month.** No Monthly Service Charge for Seniors. *** No Per Item Fees Free Debit Card Transactions $400 in Overdraft Protection Free Internet Banking Free Check Images Online Free Online BillPay * Direct Deposit must be over $500/month † 1.00% paid on the first $25,000 on deposit, 0.10% over $25,000. Dividend requires at least 4 point of sale debit card transactions per month. APY = Annual Percentage Yield. There are no monthly service fees with a minimum monthly direct deposit of $500. A Minimum deposit of $25 is required upon opening. This is a tiered account. Once a particular balance range is met, the Dividend Rate and APY listed for that balance range will apply only to the balance in the account over that amount. Dividends are calculated on the daily balance method which applies a periodic rate to the balance in the account each day. APY could change without notice and after account is opened. You must make 4 debit card transactions excluding ATM withdrawals, each month on this account to qualify for the 1.00% APY tier. To qualify, the transactions must post to your account by the close of business on the last day of the month.You will earn 0.10% APY if you don’t meet the monthly requirements. Maintenance or Activity Fees associated with an account may reduce earnings. All terms and conditions are subject to change. **$9.50/month service charge if balance drops below $500. *** Age 65 or older BANKING Savings Checking Money Market & Retirement CONTACT US FM 700, Big Spring Tel: 432-267-6373 Fax: 432-268-6120 Loop 250, Midland Tel: 432-686-1200 Fax: 432-686-1212 W Wall Street, Midland Tel: 1-800-248-2328 Fax: 432-686-1272 Voice Response: Tel: 432-263-0190 Tel: 1-800-442-2328 Lubbock, TX Tel: 806-993-7007 Abilene, TX Tel: 325-232-7644 ©2021 Citizens Federal Credit Union Privacy Policy | Disclosures & Policies Routing Number: 311390140 Powered by SmartSource Solutions, LLC APR = Annual Percentage Rate APY = Annual Percentage Yield