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Services

 ONLINE BANKING! 

To enroll or logon to Online Banking, click the Online Banking link.


Citizens Federal Online Banking

Once you are at our Online Banking, you must first enroll.

There are videos at the bottom of the page that explain the enrollment process in detail. We encourage you to view the video which shows the step by step instructions for the enrollment process.

After completing the Online Banking enrollment, you will be contacted by Citizens Federal by e-mail when your Online Account is approved. After you receive the e-mail of your account approval, which we will process as quickly as possible, you will be ready to logon and access your account.

There is also a video at the bottom right of the enrollment/logon page which explains in detail the logon process. Again, we encourage you to also view that video before logging on for the first time.

Convenience of Banking 24 hrs. a day!

 With your Online Banking account you can do the following:

Monitor your account activity
Transfer between Citizens Federal accounts
Free Bill Pay
Account Alerts (set up by the customer)
e-statements (you must be signed up for e-statements to view)
The ability to view your check images
Import your information to your financial software

If you have questions about our Online Banking, contact us at (937) 593-0015.

 

 

 Check Printing Service

Citizens Federal has several attractive styles of checks that can be ordered and printed here in our office at a significant cost savings to you when compared to checks ordered from other sources. The advantages include:

Cost Savings
Rapid Service
Attractive styles on quality paper
Security of checks (held for pick-up)

NOW Account Sweep Overdraft Feature

Sweep overdraft protection is available for your NOW account.

Funds can be taken from a Citizens Federal donor account and transferred to your NOW account to cover any check that would cause you to be overdrawn.

The fee for Sweep transactions is $10.00 per transaction.

Come in to sign up for this sweep feature.

 

 

 

 

 Direct Teller

Use the Citizens Federal Direct Teller for accurate 24-hour account information.

Dial 1-800-436-5177 using a touch-tone telephone and follow the easy steps for entering your account number and password. You will be able to obtain:

· Account Balances
· Limited account History
· Interim Statement, Limited day checking history (small fee may apply if fax is requested)

 You will also be able to transfer funds between your Citizens Federal checking and savings account. Savings may transfer 5 times free in a calendar quarter, ex: Jan-March. Checking may transfer 5 times free in a month. Each transfer after 5 is 50 cents each. Please note, the first SS# on the "from" account must match the first SS#'s on the "to" account.

 


 

Visa Check Cards

Upon Approval, VISA check cards are issued to checking account customers 18 years of age or older.

 They can be used with a PIN # at ATM machines to get cash or used at stores to purchase goods or services.

The one day limit for ATM withdrawal is $300.00 and the purchase limit is $500.00.

 Use of your card is a withdrawal from you checking account and the amount must be deducted from your balance.

 


 

 Safety Deposit Boxes

Safety Deposit Boxes are available to our customers.

We have lock boxes 2" high by 5" wide and 22 " long.  The price for this size box is $10.00 Annual Rent plus tax.

Larger sizes available by waiting list only.

 

 

  Additional Services

Check Printing Services

Citizens Federal has several attractive styles of checks that can be ordered and printed here in our office at a significant cost savings to you when compared to checks ordered from other sources. The advantages include:

Cost Savings

        Rapid Service

Attractive styles on quality paper
Security of checks (held for pick-up)

 

NOW Account Sweep Overdraft Feature

 

Sweep overdraft protection is available for your NOW account. Funds can be taken from a Citizens Federal donor account and transferred to your NOW account to cover any check that would cause you to be overdrawn. The fee for Sweep transactions is $10.00 per transaction. 

 

Direct Teller

Use the Citizens Federal Direct Teller for accurate 24-hour account information. Dial
1-800-436-5177 using a touch-tone telephone and follow the easy steps for entering your account number and password. You will be able to obtain:

· Account Balances · Account History · Interim Statement, Limited checking history (small fee will apply if fax requested)

You will also be able to transfer funds between your Citizens Federal checking and savings account. Savings may transfer 5 times free in a calendar quarter, ex: Jan-March. Checking may transfer 5 times free in a month. Each transfer after 5 is 50 cents each. Please note, the first SS# on the "from" account must match the first SS#'s on the "to" account.

 ATM Services

Enjoy the convenience of our Citizens Federal ATM card by accessing your statement savings account at any ATM machine nationwide. Use your ATM card and personal identification number to deposit or withdraw from your account. A small per transaction fee will apply when using any machine other than Citizens Federal.

Visa Check Cards

 

Upon Approval, VISA check cards are issued to checking account customers 18 years of age or older. They can be used with a PIN # at ATM machines to get cash or used at stores to purchase goods or services. The one day limit for ATM withdrawal is $300.00 and the purchase limit is $500.00. Use of your card is a withdrawal from you checking account and the amount must be deducted from your balance. 

 

Savings Bonds

 

For many years, Citizens Federal has been an agent of the Department of the Treasury for the issuance, redemption or exchange of U.S. Savings Bonds. Bond Series currently being offered are EE and I. Savings Bonds can help you save for education or can be an excellent way to help build savings for retirement. Savings Bonds are also a much-appreciated gift. They are easy to purchase and the earned interest is tax deferred until redemption of the bond.

EE Savings Bonds

. Purchase for 50 percent of the face amount
· Earn interest at market-based rates for up to 30 years
· Interest accrues so that bond increases in value
· Can cash anytime after 12 months
· Interest is exempt from state and local income tax
· Federal tax can be deferred until redemption of the bond
· A limit of $15,000 purchase price, per person, per calendar year
· Forfeit three months interest if cashed within the first five years

 

 

I Bonds (Inflation-Indexed)
· Purchase for face amount
· Grow in value as interest accrues for up to 30 years
· Can cash anytime after 12 months
· Forfeit three-month earnings if cashed within the first five years
· Available in denominations of $50 to $10,000
· Can qualify for education exclusion
 
For further information on government savings bonds or to check the rate or value of bonds you own, visit savingsbonds.gov
 
 
Other Services
· Money Orders
· Main office and Drive-thru Night Depository
· Safe Deposit Boxes
· Notary Service
· Copier Service
· Cashiers check: $3.00
· 24 Hour ATM Machine
· Wire Transfers - outgoing Domestic: $20.00
· Wire Transfers
Fee for incoming Wires:

Account Holders $10.00

Instructions For Sending a Wire to Citizens Federal

Send to :

Federal Home Loan Bank
211 E. 4th Street.Ste. 1000, Cincinnati, Ohio 45202
ABA # 042000916

Credit to:

Citizens Federal Savings & Loan Assn
110 N. Main St. Bellefontaine, OH 43311
Account #211094

Further Credit to:

Your name and address
Your account number

 

· Fax Service

Fax Service Fee:

$6.00 for two sheets
Each additional sheet $1.50

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
 

 

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