Question 1

What is Community First Bank of the Heartland?

Accepted Answer

Community First Bank of the Heartland is a community-focused financial institution serving Jefferson County, Illinois, with approximately $258 million in total assets and 4 branch locations. The bank operates as a state-chartered commercial bank under FDIC supervision.

As a locally owned institution, Community First Bank of the Heartland provides personalized banking services to individuals, families, and businesses throughout Southern Illinois. The bank prides itself on offering the largest network of banking facilities in the Jefferson County community with four banking centers and five ATMs.

Question 2

When was Community First Bank of the Heartland founded?

Accepted Answer

The bank's history dates back to 1906 when it was originally chartered as First National Bank in Woodlawn, Illinois. For over a century, the institution operated under this name, earning distinction as the only national bank to survive the Great Depression in Jefferson County.

In January 2008, the bank changed its charter from a national bank to a state charter, marking a significant transition in its regulatory structure. At that time, the bank held a naming contest among customers to select a new identity that better reflected its community-focused mission.

The name Community First Bank of the Heartland was chosen to embody the institution's core value of putting the community first in all banking activities. This rebranding represented both a fresh start and a continuation of over a century of trusted service to Jefferson County residents.

Question 3

Where is Community First Bank of the Heartland headquartered?

Accepted Answer

Community First Bank of the Heartland is headquartered in Mount Vernon, Illinois, in Jefferson County. The main office is located at 117 North 10th Street, Suite Office, Mount Vernon, IL 62864.

This location serves as the hub for the bank's operations throughout Jefferson County and surrounding areas of Southern Illinois.

Question 4

Where does Community First Bank of the Heartland operate?

Accepted Answer

Community First Bank of the Heartland operates exclusively in Jefferson County, Illinois, with four full-service banking locations. The bank maintains branches in Mount Vernon (two locations: Main Office on 10th Street and 42nd Street West location), Dix, and Woodlawn.

The bank's network also includes five strategically placed ATMs throughout the service area, providing convenient access to banking services across the county. This comprehensive branch and ATM network gives Community First Bank of the Heartland the distinction of operating the largest banking facility network in Jefferson County.

The bank's focus remains concentrated on serving the local communities where it was founded, maintaining deep roots in the Mount Vernon area and surrounding towns.

Question 5

What services does Community First Bank of the Heartland offer?

Accepted Answer

Community First Bank of the Heartland offers comprehensive personal and business banking services including checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts (IRAs). The bank provides various lending products including personal loans, mortgages, and business financing.

Digital banking services are a key offering, with free online banking that allows customers to view account summaries, track cleared checks and deposits, transfer funds, and manage their finances 24/7. The bank's online banking platform includes a bill pay feature with reporting and expense tracking capabilities.

Mobile banking is available through the Community First Bank of the Heartland mobile app, offering customers the ability to manage finances from their smartphones, including mobile deposit functionality for check deposits. The bank also provides a 24-hour telephone banking service called Community Access 24 Bank-by-Phone, accessible at 1-800-915-2616 or 618-244-3143.

Additional services include Mastercard debit cards with instant issue capability at Mount Vernon locations, safe deposit boxes at all branches, and automatic transfer services between accounts. The bank's routing number is 081216758.

Question 6

What makes Community First Bank of the Heartland unique?

Accepted Answer

Community First Bank of the Heartland stands out for its remarkable resilience and historical significance as the only national bank in Jefferson County to survive the Great Depression. This demonstrated financial strength and prudent management established a foundation of trust that continues over a century later.

The bank's name itself reflects its unique philosophy—"Community First" is not just branding but a core operational principle that guides every business decision. This commitment is evidenced by the bank's decision to involve customers in choosing its new name during the 2008 rebranding.

With roots extending back to 1906 and continuous service to the same geographic area, the bank has built multi-generational relationships with families and businesses throughout Jefferson County. The institution has maintained its focus on local community banking while expanding its branch network to ensure convenient access throughout the county.

The bank's longevity and local ownership structure allow it to make decisions based on community needs rather than distant corporate directives, creating a truly hometown banking experience.

Question 7

What type of financial institution is Community First Bank of the Heartland?

Accepted Answer

Community First Bank of the Heartland is a State-Chartered Commercial Bank that operates under FDIC supervision as a non-member of the Federal Reserve System.

This designation reflects the bank's transition in 2008 from a national bank charter to a state charter. As a state-chartered institution, the bank is regulated by Illinois state banking authorities and the FDIC, allowing it to operate with flexibility tailored to local market needs while maintaining strong regulatory oversight and deposit insurance protection.

The community bank structure enables the institution to focus on relationship-based banking and serve the specific financial needs of Jefferson County residents and businesses with personalized attention and local decision-making authority.

Community First Bank of the Heartland

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About Community First Bank of the Heartland in the United States