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New Membership

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Eligibility
Opening a new account is EASY and takes about 10 minutes!
You will need a couple of documents to complete the account application.
U.S. Government issued ID (Drivers License, State ID, Passport, Military ID)
Secondary ID (Click Here to view the list)
We will also need some basic information such as your Address, Social Security Number and Employment Information.
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Available Products
First Express Checking

No minimum balance requirement or maintenance charge. Free debit card and Welcome Pack wallet checks. Free online banking with bill pay.

Min Deposit: $25.00

Senior Interest Checking

No minimum balance requirement or maintenance charge. Free debit card and first order of custom creation wallet checks. Free online banking with bill pay and free eStatements. Interest earned on balances of $1000 or more. Special Requirement: Must be 50+ years of age

Current Rates

Min Deposit: $25.00

Buffalo Charity Checking

No minimum balance requirement or maintenance charge. Free branded debit card and Welcome Pack of let checks. Free online banking with bill pay and free eStatements.

Min Deposit: $25.00

American Heroes Checking

No minimum balance requirement or maintenance charge. Free branded debit card and branded checks. Free online banking with bill pay and free eStatements. Interest earned on balances of $1000 or more. Special Requirement: Must be military, veteran or first responder.

Current Rates

Min Deposit: $25.00

Citizens Advantage

$2500 to open $2500 minimum daily balance requirement per statement cycle to avoid $10 monthly maintenance charge Limited to 6 transfers per month Interest earned – tiered based on balances Free online banking with bill pay Free eStatements

Current Rates

Min Deposit: $2,500.00

Tiered Statement Savings

Tiered Statement Savings

Current Rates

Min Deposit: $100.00

1 Year Certificate of Deposit

1 Year Certificate of Deposit

Current Rates

Max APY: 2.07% Min Deposit: $2,500.00

18 Month Certificate of Deposit

18 Month Certificate of Deposit

Current Rates

APY: 1.75% Min Deposit: $2,500.00

2 Year Certificate of Deposit

2 Year Certificate of Deposit

Current Rates

Max APY: 2.17% Min Deposit: $2,500.00

APY (Annual Percentage Yield)
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Description

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Add Account Save Account
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Description

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Application Cancelled

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Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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Funding
How much do you want to deposit?

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another finacial institution

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

Please upload the following documents in order that we can finish doing what we do.

Additional Information
Are you, any of your immediate family members or close associates of a senior political (in the executive, legislative, administrative military or judicial branches) of the government?*
Since you answered yes to the above question. Please use the space below to let us know the Position and Country of the person who held the senior political position.

Co-Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment
Please upload the following documents in order that we can finish doing what we do.

Additional Information
Are you, any of your immediate family members or close associates of a senior political (in the executive, legislative, administrative military or judicial branches) of the government?*
Since you answered yes to the above question. Please use the space below to let us know the Position and Country of the person who held the senior political position.

Document Upload Source Selector

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Document Upload Source Selector

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Review and Submit

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Review and Submit
Product Selections
Applicant Information
Contact Information
Identification Information
Address
Employment Information
Previous Employment Information
Joint Applicant Information
Joint Applicant Contact Information
Joint Applicant Identification
Joint Applicant Address
Joint Applicant Employment Information
Funding Source
Review Minor Information
Minor Information
Minor Contact Information
Minor Physical Address
Please answer question(s) below
Have you been notified by the IRS that you are currently subject to backup withholdings?*
Have you been assigned a FATCA exemption code by the IRS?*
You have indicated you are exempt from FATCA. Please supply your FATCA reporting code.
Read, Sign and Submit

Your application is not complete until you read the required new account disclosures below and click the “I Agree” button in order to submit your new account application. By clicking on the Electronic Disclosure notices below, you consent to receiving the account disclosures electronically and that you either read, understand, or that you retained them for future review.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report... You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to electronically receive the information contained in your application, as well as the status of your application.

Notices:

Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

Authentication Questions

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Authentication Questions

Application Completed

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There was a problem with your request
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Restart will clear all data and return to the main page. Are you sure?

Access Denied

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You have exceeded the maximum number of applications per hour. Please try again later.

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