Just a note of caution, we were traveling overseas when I had my wallet stolen. When I tried to contact Citizens First to ask them to stop any transactions on my debit card until I returned home, I got a message back saying they would not do anything via email. Since they didn't answer my phone calls, I had to wait until I returned home. I no longer have their debit card. As comparison, my Credit Union up North replied to my email saying that they would stop my debit card and credit card until I returned. Bottom line - Citizens First may be great for local business, their ability to handle international requests is very weak.
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