Debit Cards
Accessing your available funds in your checking or savings account has never been easier! First Citizens State Bank's debit cards make it fast, easy and convenient to obtain funds as well as make purchases.
About Debit Cards:
- Debit cards are similar to credit cards, however they take money directly from your bank account rather than borrowing money with interest rates up to a given credit limit.
- Provides alternative forms of payments as opposed to cash or credit.
- Can be used similarly to a credit card for many purchases including telephone and internet orders.
- May also allow for instant withdrawal of cash from an ATM or cash back on a transaction from a retailer.
- The liability in the case of loss or theft to the customer is limited to $50.00 if reported to the bank of issue within two business days after noticing the incident.
- ATM fees may apply for use of Non First Citizens State Bank ATM's.
Click here to download an application and apply for your First Citizens Debit Card today!
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Credit Cards
At First Citizens State Bank we know how difficult it can be to find the credit card that best suits your needs, that's why we offer over ten different options for your credit card needs.
Some of our cards offer great rewards and points programs that allow you to earn cash back or even points towards vacations and purchases.
Our two newest cards, the Visa Signature Rewards and the Visa Platinum, offer great benefits including but not limited to: travel accident insurance, emergency card & cash service, no annual fees and zero
liability fraud protection. If you are looking for the simplicity and convenience of a tradtional credit card with generous credit lines, then a Visa Platinum card is the card for you. Perhaps you prefer exceptional
rewards, unlimited 1% cash back, access to exclusive privileges and personal concierge services, all with no annual fee, then the Visa Signature Reewards card is just what you're looking for.
Regardless of what features and needs you have in a credit card, First Citizens State Bank can find the perfect fit for you. Feel free to stop in and talk to one of our specialists or apply online using the
link below.
Click Here To Apply Online
First Citizens proudly offers Visa Credit Cards.
ATM Cards
First Citizens State Bank offers traditional ATM Cards in addition to our debit cards.
ATM Cards are similar to debit cards to some extent in that they can be used to conduct transactions on your deposit accounts.
About ATM Cards:
- Cards can be used at ATMs for deposits and withdrawals as well as to obtain account information.
- Some ATM cards may be used at retailers for point-of-sale purchases as well.
- Using your ATM card requires you to be physically at the retailer.
- ATM cards generally cannot be used for internet or telephone purchases.
Click here to download an application and apply for your First Citizens Debit Card today!
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
IRA Accounts
Our IRA accounts have competitive rates and are a great investment option!
Account Overview:
- Attractive interest rates based on current market
- Compounding varies based on product
- Current rates posted online and in the bank lobby
- 24 Hour Internet Banking
- 24 Hour Telephone Banking
- Tax deferral of earnings
- No Service Charges
- Funds contributed to an IRA may not be withdrawn before the person reaches the age of 59 1/2 years
- Subject to penalties for early withdrawal
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Christmas Club Accounts
What better way to plan for the holiday season! Our Christmas Club account earns a competitive interest rate. You can choose to set your own payment schedule.
There are no services charges and interest is credited on the maturity date. Your check will then be mailed to you with plenty of time for the holiday shopping season.
Account Overview:
- Earns competitive high yielding variable rate
- Planned savings for the Holiday Season
- Flexible periodic payments allowed
- Check mailed in time for holiday shopping
- 24 Hour Internet Banking
- 24 Hour Telephone Banking
- Interest is credited on the maturity date
- No Service Charges!
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Additional Transactional Account Charges back
Stop Payment
Non-Sufficient Funds (Per Item)
Overdrafts (Per Item)
Accounts overdrawn over 3 consecutive days will be charged $2 per day for each additional day overdrawn.
Statement Copies (Per Copy)
Check Copies (Per Copy)
Safekeeping Check Copies (Per Copy)
Bookkeeping Research (Per Hour)
Wire Transfer, Incoming
Wire Transfer, Outgoing
Wire Transfer, International
Item Returned Unpaid to Bank
Cashiers Check
Personal Money Order
PULSE Card & Checkcard
Replacement PULSE Card & Checkcard
$20.00
$25.00
$25.00
$2.00
$2.00
$5.00
$25.00
$10.00
$20.00
$45.00
$5.00
$3.00
$2.50
$7.00
$7.00
Collections Under $50 (Incoming & Outgoing)
Collections Over $50 (Incoming & Outgoing)
Check Certification
Handling Each Legal Process Affecting the Account:
Attachment
Garnishment
Levy, Etc.
Special Cut-Off of Statement
Telephone Transfer
Reconciling of Bank Statement:
First Time (In 3 Month Period)
Any Additional (Per Hour)
Coupon Redemption (Per Envelope)
Bond of Indemnity
ATM Usage Fees:
First Citizens State Bank ATM
PULSE Network ATM
Outside PULSE Network
$7.50
$15.00
$25.00
$25.00
$25.00
$25.00
$2.00
$2.00
N/C
$15.00
$1.00
$5.00
N/C
$1.00
$2.00
Disclosures that apply to all Savings Plans: back
- Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
- We use the daily balance method to calculate the interest on your account, based on the collected balance.
- Interest will be compounded and credited to your account.
Disclosures that apply to all Certificates of Deposit:
- Interest begins to accrue no later than the business day we receive your deposit.
- We use the daily balance method to calculate the interest on your certificate of deposit. This method applies a daily periodic rate to the principal on the certificate of deposit each day.
- If interest compounding occurs during the term of the certificate of deposit, the annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- If you close your account before interest is credited, you will receive the accrued interest, less early withdrawal penalties.
- For certificates of deposit that will automatically renew at maturity, you will have 10 calendar days after the maturity date to withdraw funds without penalty.
- No deposits or withdrawals from this account until maturity.
Early Withdrawal Penalty:
- The following penalty may be charged to your certificate of deposit if you withdraw any principal before the maturity date:
- For deposits with original maturities of less than one month, the penalty will be forfeiture of simple interest that could have been earned on the amount withdrawn had the funds remained on deposit until maturity.
- For deposits with original maturities of 31 days but less than one year, the penalty will be the forfeiture of the 30 days simple interest on the amount withdrawn.
- For deposits with original maturities of one year but less than two years, the penalty will be the forfeiture of 90 days simple interest on the amount withdrawn.
- For deposits with original maturities of two years or more, the penalty will be the forfeiture of 180 days simple interest on the amount withdrawn.
- If sufficient interest has not accrued at the time of withdrawal, principal will be reduced to the extent necessary to meet the required penalty.
- The amount of the penalty will be calculated using the interest rate in effect on your account at the time of withdrawal.
- Early withdrawals made because of the death or the judicially declared incompetence of a depositor will not be penalized.
- Early withdrawal penalties may not always apply to IRA and Keogh accounts. See your IRA or Keogh account literature for details.
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
Lost or Stolen Cards: back
If any of your cards, Debit Cards, Credit Cards, ATM Cards, etc. are lost or stolen, please contact the respective numbers below.
If you are unsure of who to contact, please do not hesitate to contact a customer service representative at one of our locations.
Debit Cards & ATM Cards:
Credit Cards:
