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Citizens Community Bank
Online Banking Access
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Checking

Check us out for value.

When you open a checking account at a bank, you expect great service, dependability and value.  What you don’t expect (or need) are strings attached to your account in order to avoid fees.

At Citizens Community Bank, Totally Free Checking really is FREE!  Free of minimum balances and hidden weekly, monthly or annual fees.  We also have three great interest-bearing accounts to fit your every need.  Plus, when you open your new account you’ll get something else, a free gift to say "Thank You" for choosing us as your financial friend.

Tell-A-Friend Referral Program


It's easy to earn a free gift, when you refer a friend and they open a checking account you both receive a gift. When your friend opens their checking account, they just mention who referred them and we will notify you of your free gift. It's that simple and there is no limit on how many friends you refer.


Open Your Account Today!

Totally Free Checking

A free account for everyone! With no minimum balance or monthly service charge.

Easy Interest

For those who use direct deposit or automatic payments, this variable interest rate account earns competitive interest and has no minimum balance or monthly service charge.

50+ Interest Checking

A variable rate account that earns competitive interest, for those 50 and wiser—with no minimum balance and no monthly service charge!

Premier Interest Checking

Looking to earn more? Simply maintain a balance of $1500 or more to earn a higher variable interest rate. You will still earn a competitive rate even if your balance falls below $1,500.

Want to compare these accounts side by side? 

*Every new personal checking account includes:

  • FREE Instant Issue VISA® Debit Card
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE eStatements with online check images
  • FREE Check Images with statements
  • FREE Thank you gift
  • Buy back of your unused checks and debit cards from another financial institution


Checking Account Comparison

Account Details

Totally Free Checking 

  • No minimum balance 
  • No Monthly Service Charge
  • Customer Purchases Checks
  • Unlimited Check Writing
  • Non-Interest bearing account
  • Fee Schedule

Easy Interest Checking

  • No minimum balance 
  • No Monthly Service Charge
  • Customer Purchases Checks
  • Unlimited Check Writing
  • Variable interest rate account that earns competitive interest
  • Fee Schedule

50+ Interest Checking

  • No minimum balance 
  • No Monthly Service Charge
  • Free box of personalized corporate image checks per calendar year
  • Unlimited Check Writing
  • Variable interest rate account
  • Fee Schedule

Premier Interest Checking 

(Our highest interest checking account)

  • $1,500 minimum balance 
  • Free box of personalized corporate image checks per calendar year
  • Only $6 Monthly Service Charge if minimum balance falls below $1,500 during your statement cycle
  • Unlimited Check Writing
  • Variable interest rate account that earns a higher interest rate if the balance is above $1,500
  • Fee Schedule 

*Unless specified otherwise customer purchases checks. Other fees such as overdraft, continuous overdraft, etc. may apply. See Fee Schedule for details. $25 for checks and debit cards from another financial institution.  Your account will be credited at the time the checks/debit cards are presented. Free gift provided at the time of account opening. Ask us for details. Bank rules and regulations apply.

Proudly serving Idaho from Pocatello, Chubbuck, Idaho Falls, Ammon, and Rexburg locations.