Compare Your Options

Compare the features, benefits and more of each of our checking accounts.  If you're interested in earning 3.00% APY interest or receiving 3.00% cash back with our new C1st Cash and C1st Cash Back checking accounts, click here.   

C1st Free Checking Platinum Checking C1st Interest Checking Your Voice Checking ClubGO Checking
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Age Requirement Any Any Any 13-17 55+
Minimum Balance $0 $1,000 $0 $0 $0
No Per Check Charge
Online Banking with BillPayer
Mobile Banking with Mobile Deposit 1
24/7 Telephone Banking
eStatements with Check Images
VISA Debit Card
VISA MyPic Edge-to-Edge Card
Unlimited C1st Owned ATM Transactions
Access to over 1,300 Privileged Status ATMs in Iowa - No Surcharge
Overdraft Tolerance 2
Cashiers Checks 3
One Box Free Checks/Year (Basic)
It Happens! One Overdraft Refund/Year
$10 Amazon Card 4
Direct Deposit/Automatic Payments Optional Optional Required Optional Optional
Monthly Service Charge $0 $0 6 $0 $0 $0
Dividend Earning
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C1st Free Checking Platinum Checking C1st Interest Checking Your Voice Checking ClubGO Checking
  1. Mobile carrier or data usage charges may apply by downloading/utilizing our apps.
  2. Covers overdraft amounts up to $525 without having checks, automatic clearinghouse/ACH debits, service charges or check charges sent back to the merchant. This is a discretionary service so we do not guarantee that we will pay any type of transaction. For example, we typically do not pay overdrafts if your account is not in good standing. A fee of $30 will be charged each time we pay an overdraft created by checks and other transactions made using your checking account number, BillPayer transactions and ACH withdrawals. We will not pay overdrafts for everyday debit card or ATM transactions unless you Opt-in and authorize us to do so. Your account must have a positive balance within 30 days of your overdraft notice.
  3. With satisfactory checking account or check made out to member only.
  4. When you open Online and Mobile Banking, eStatements and Visa Debit Card.
  5. Monthly Maintenance Fee of $15 per month will be assessed if daily balance falls below $1,000 at any time.

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