Personal Accounts

• Account Summary: Describes the general and fee information you need to know on our savings, checking and money market accounts.
• Funds Availability: Describes your ability to withdraw funds from transaction accounts.
• Membership & Account Agreement: Outlines the rights and responsibilities for account owners and CitizensFirst.
• Truth-in-Savings: Where you find rates, fees and terms that are applicable to any deposit accounts at CitizensFirst.
• Electronic Funds Transfer: Covers the rights and responsibilities concerning electronic funds transfer (EFT) services at CitizensFirst (like CheckCard transactions, Health Savings debit card transactions, Memberline telephone banking transactions, Online Banking and eBillPay transactions, direct deposit of paychecks, etc.)
• Credit Card Terms and Conditions: Details the rates, fees and grace period on our VISA Platinum with Rewards and VISA Classic cards.

Business Accounts

• Account Summary: Describes the general and fee information you need to know on our business savings, checking and money market accounts.
• Membership & Account Agreement: Outlines the rights and responsibilities for Business account owners and CitizensFirst.

Additional Resources

• The NCUA Share Insurance Calculator
• The NCUA Your Insured Funds Booklet

PROTECTING CHILDREN
CitizensFirst Credit Union recognizes that protecting children's identities and privacy online is important and that the responsibility rests with both the online industry and the parents. The Credit Union does not collect any personal information on children through its website, but does offer online links through the website to various child-oriented sites. We encourage parents and guardians to monitor children under 13 when the children are online and to participate in any interactive activities offered on the website. Please be advised that any site-collecting information from children under the age of 13 must conform to the Children's Online Privacy Protection Act of 1998 (COPPA). Please visit the privacy link on the student site for more information.

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a ''noninterest-bearing transaction account'' are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term ''noninterest-bearing transaction account'' includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (''NOW'') account, and money market deposit account, even if share drafts may be drawn on the account.

For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.