Account Services

Account Services

Visa Debit Cards

Upon Approval, VISA debit cards are issued to checking account customers.

They can be used with a PIN at ATM machines to get cash or at stores to purchase goods or services. The one-day limit for ATM withdrawal is $500.00, and the purchase limit is $1500.00.

Use of your card is a withdrawal from your checking account, and the amount will be deducted immediately from your balance.

For lost or stolen cards, please call 1-800-472-3272.

ATM Cards

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.

Citizens Federal Savings and Loan Association is part of the MoneyPass surcharge-free ATM network, which significantly benefits our account holders. MoneyPass has thousands of ATMs coast-to-coast, and the network continues to grow. Since each and every MoneyPass ATM is surcharge-free, accountholders won’t have to worry about paying a visiting bank’s fee to access their money. 

What does all this mean for account holders? Regardless of where you live, work, or travel, you will be sure to find a MoneyPass ATM nearby. Look for the MoneyPass logo and use your existing Citizens Federal Savings and Loan ATM or debit card to access funds. If you currently do not have an ATM or debit card, you may apply for one at our office.

Find the MoneyPass ATM location nearest you at or use the mobile site or locator apps for your smartphone when you are on the go.  Please call our office at 937-593-0015 with any questions regarding this program.

Switchover Assistance

Changing banks can be tedious.  That's why we want to help.  Citizens Federal and our staff want to help you make Citizens Federal your new home for all your banking needs!  When you decide to open an account with us, let us know that you want to take advantage of our Switchover Assistance.  We'll set a time to meet with you, walk you through the process, and help you put together a plan for switching over to Citizens Federal.  Below is a summary of the assistance you'll receive through our Switchover Assistance.

  • Setting up online banking and mobile banking.
  • Assistance to get all automatic deposits and withdrawals transferred to your new account.
  • Set up all online bill payments through online banking.
  • Help in signing up for eStatements.


To take full advantage of our Switchover Assistance, we suggest you bring the last few months of statements from your previous bank account.  Also, we suggest you bring the account number and your previous bank's routing number.  If you have an electronic device that you would like to use, you are welcome to bring it.  If not, we have iPads available for this process.  Lastly, you will need to bring the necessary identification to open the account with us.  Typically, a driver's license with your current address will be sufficient. If you would like more information or to set up an appointment, please call us at 937-593-0015 and ask about our Switchover Assistance. You can also click the button below to view our checking account options. 

Checking Accounts

Voice Banking


Use Citizens Federal Voice Banking for accurate 24-hour account information.

Dial a touch-tone telephone and follow the easy steps for entering your User ID and PIN code. If you do not have a User ID and PIN code, please contact us at 937-593-0015.


Business Account Services


Clover is a cloud-based point-of-sale platform. Clover makes accepting any type of payment a snap - from in-person swipe, chip, and tap, to online payments. Whether you sell coffee or memberships, all purchases are more secure and trackable with Clover. Clover allows you to offer the best possible customer experience while building loyalty at your place of business and online. Manage your business and make a sale from anywhere with Clover's dashboard, mobile app, and virtual terminal. Visit for more details. Learn more at

Additional Services




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