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First Citizens State Bank Checking Accounts
At First Citizens State Bank, we provide a wide variety of checking account products. We invite you to browse our various options either by clicking the links above or from the list below. If you have any questions please feel free to contact one of our new accounts representatives at any of our locations.
Checking Accounts:
Click here to reorder checks!
Account Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
At First Citizens State Bank, we provide a wide variety of checking account products. We invite you to browse our various options either by clicking the links above or from the list below. If you have any questions please feel free to contact one of our new accounts representatives at any of our locations.
Checking Accounts:
- Simply Free Checking
- Regular Checking
- Now & Super Now Accounts
- Direct Checking
- Linked Accounts
- Bank Pak & Bank Pak Now Accounts
- Preferred Checking
- IMMA
Click here to reorder checks!
Account Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Simply Free Checking
If you like your checking free and simple, the First Citizens Simply Free Checking is the account for you! With no charges or minimums required you can save on the banking service you use most every day. Just compare the cost of your current checking account with our Simply Free Checking account and see how much money you could be saving!
Account Overview:
Requires $100.00 Minimum Opening Deposit.
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
If you like your checking free and simple, the First Citizens Simply Free Checking is the account for you! With no charges or minimums required you can save on the banking service you use most every day. Just compare the cost of your current checking account with our Simply Free Checking account and see how much money you could be saving!
Account Overview:
- No Minimum Balance Requirement
- No Monthly Service Charge
- No Per-Check Charge
- Unlimited check writing
- Easy-to-Balance Statements in Check Number Order
- Check Safe Keeping Provided
- 24 Hour Pulse and Checkcard (debit card) access
- 24 Hour Internet Banking
- 24 Hour Telephone Account Inquiry & Transfer Information (1-800-236-8766)
- Customer pays check printing fees
- ATM Fees Apply
- Direct Deposit Friendly
Requires $100.00 Minimum Opening Deposit.
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Regular Checking
A First Citizens Regular Checking is the perfect account for the person who doesn't want to worry about high minimum balances and excessive service charges. With just a $300.00 balance requirement a regular checking account can suit anyone's checking needs. Compare what your current checking account does for you with our Regular Checking account and see how we can help you!
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
A First Citizens Regular Checking is the perfect account for the person who doesn't want to worry about high minimum balances and excessive service charges. With just a $300.00 balance requirement a regular checking account can suit anyone's checking needs. Compare what your current checking account does for you with our Regular Checking account and see how we can help you!
Account Overview:
- Direct Deposit friendly
- Unlimited check writing
- Easy-to-Balance Statements in Check Number Order
- 24 Hour Pulse and Checkcard (debit card) access
- 24 Hour Internet Banking
- 24 Hour Telephone Account Inquiry & Transfer Information (1-800-236-8766)
- Customer pays check printing fees
- No Opening Deposit Requirement
- No Monthly Service Charge or Fees with a $300 Minimum Balance
If balance falls below $300, the following fees apply:- $3.50 Monthly Maintenance Fee
- $0.25 Withdrawal Fee Charge
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Now & Super Now Checking
First Citizens Now and Super Now Checking accounts are excellent choices for interest bearing accounts!
Both accounts earn competitive high yielding variable interest rates with convenient account access benefits. Does your current interest bearing account measure up? Let First Citizens State Bank provide you with the services you deserve.
Account Overview (Both Now & Super Now):
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
First Citizens Now and Super Now Checking accounts are excellent choices for interest bearing accounts!
Both accounts earn competitive high yielding variable interest rates with convenient account access benefits. Does your current interest bearing account measure up? Let First Citizens State Bank provide you with the services you deserve.
Account Overview (Both Now & Super Now):
- Direct Deposit friendly
- Unlimited check writing
- Easy-to-Balance Statements in Check Number Order
- 24 Hour Pulse and Checkcard (debit card) access
- 24 Hour Internet Banking
- 24 Hour Telephone Account Inquiry & Transfer Information (1-800-236-8766)
- Customer pays check printing fees
- Earns competitive high yielding variable interest rate
- Interest is compounded monthly and credited on the last day of the statement
- Now Accounts - No Monthly Service Charge if balance is $1,000 or more.
If balance falls below $1,000, the following fees apply:- $6.00 Monthly Maintenance Fee
- $0.25 Withdrawal Fee Charge
- Super Now Accounts - No Monthly Service Charge if balance is above $1,500 or $5,000 average balance
If balance falls below $1,500 or $5,000 average, the following fees apply:- $7.00 Monthly Maintenance Fee
- $0.25 Withdrawal Fee Charge
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
Direct Checking
Direct Checking is the perfect solution if you are looking to have payroll checks deposited directly into a First Citizens State Bank checking account!
With Direct Checking you can save both time and money and take advantage of the great benefits listed below.
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
Direct Checking is the perfect solution if you are looking to have payroll checks deposited directly into a First Citizens State Bank checking account!
With Direct Checking you can save both time and money and take advantage of the great benefits listed below.
Account Overview:
- No Service Charges
- Unlimited check writing
- Easy-to-Balance Statements in Check Number Order
- 24 Hour Pulse and Checkcard (debit card) access
- 24 Hour Internet Banking
- 24 Hour Telephone Account Inquiry & Transfer Information (1-800-236-8766)
- 50 FREE checks to start your account, after which the customer pays check printing fees
- Earns competitive high yielding variable interest rate if balance is $500 or more
- Interest is compounded monthly and credited on the last day of the statement
- Direct Deposit of payroll check required.
- Complimentary packet of 50 checks to start the account
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
Linked Checking
First Citizens Linked Checking is a great way to take advantage of our checking and savings accounts.
Accounts are linked together for ease of use and statement balancing. Contact a new accounts representative to see if a Linked Checking account is right for you!
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
First Citizens Linked Checking is a great way to take advantage of our checking and savings accounts.
Accounts are linked together for ease of use and statement balancing. Contact a new accounts representative to see if a Linked Checking account is right for you!
Account Overview:
- Linked Checking & Statement Savings Accounts
- Direct Deposit friendly
- Unlimited check writing
- Easy-to-Balance Statements in Check Number Order
- 24 Hour Pulse and Checkcard (debit card) access
- 24 Hour Internet Banking
- 24 Hour Telephone Account Inquiry & Transfer Information (1-800-236-8766)
- Customer pays check printing fees
- Savings account earns competitive high yielding variable interest rate
- Interest is compounded monthly and credited on the last day of the statement
- No Monthly Service Charge if balance is above $300 in checking or $1,000 in statement savings
If balance falls below $1,000 in statement savings, fees for both accounts apply as follows:- Checking - Regular fees apply
- Statement Savings - If balance is less than $100:
- $1.00 Monthly Maintenance Fee
- $0.25 Withdrawal Fee Charge
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
Bank Pak Checking
First Citizens Bank Pak Checking provides multiple bank services at discounted rates.
All of the bundled service with Bank Pak Accounts are worth over $500 retail!
Account Overview:
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
First Citizens Bank Pak Checking provides multiple bank services at discounted rates.
All of the bundled service with Bank Pak Accounts are worth over $500 retail!
Account Overview:
- Direct Deposit friendly
- No minimum balance & Unlimited check writing
- Easy-to-Balance Statements in Check Number Order
- 24 Hour Pulse and Checkcard (debit card) access with FREE Card
- 24 Hour Internet Banking & 24 Hour Telephone Account Inquiry & Transfer Information (1-800-236-8766)
- Personalized club checks at no cost
- Free travelers checks, money orders and $8.00 safe deposit box credit
- Cash back member rewards & Entertainment® SaversGuide®
- Credit file monitoring & Credit card registration
- Key tag return service
- Accidental Death Insurance, Dismemberment Insurance & $5,000 Identity Theft Coverage
- Plan A - $10,000 accidental death insurance on you($5,000 each on joint accounts) - $7.75 Monthly Membership Fee
- Plan B - $10,000 accidental death insurance on you, $5,000 on spouse, $1,000 each dependent child - $8.25 Monthly Membership Fee
- Plan C - $20,000 accidental death insurance on you - $8.75 Monthly Membership Fee
- Plan D - $20,000 accidental death insurance on you, $10,000 on spouse, $2,000 each dependent child - $9.75 Monthly Membership Fee
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
Preferred Checking
First Citizens Preferred Checking is specifically designed around the unique needs of our age 55 and over.
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
First Citizens Preferred Checking is specifically designed around the unique needs of our age 55 and over.
Account Overview:
- Direct Deposit friendly
- Unlimited check writing
- Easy-to-Balance Statements in Check Number Order
- 24 Hour Pulse and Checkcard (debit card) access
- 24 Hour Internet Banking
- 24 Hour Telephone Account Inquiry & Transfer Information (1-800-236-8766)
- Customer pays check printing fees
- Earns competitive high yielding variable interest rate
- No minimum balance
- No monthly 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 Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
Tiered Money Market Account
First Citizens Money Market Accounts have multiple tiers with increasing interest rates with each tier!
Accounts earn competitive high yielding variable interest rates with convenient account access benefits.
Account Overview:
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account Disclosures are available here.
First Citizens Money Market Accounts have multiple tiers with increasing interest rates with each tier!
Accounts earn competitive high yielding variable interest rates with convenient account access benefits.
Account Overview:
- Direct Deposit friendly
- Unlimited withdrawals in bank lobby
- Easy-to-Balance Statements in Check Number Order
- 24 Hour Pulse and Checkcard (debit card) access
- 24 Hour Internet Banking
- 24 Hour Telephone Account Inquiry & Transfer Information (1-800-236-8766)
- Customer pays check printing fees
- Earns competitive high yielding variable interest rate, increasing at each tier
- Interset is based on each tier and is credited each month on the last day of the statement
- No service charges if balance is $1,000 or more
If balance falls below $1,000 a $7.00 Monthly Maintenance Fee applies - Maximum of 6 transactions per month, 3 of which can be by check
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Consumer Checking Account Disclosures are available here.
Additional Interest Earning Consumer Checking Account 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
International ACH Transaction
$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
$10.00
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
*ATM & Debit Card usage fees apply to all accounts.
$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 accounts: back
Disclosures that apply to all interest earning consumer checking plans: back
- All references to "balance" is the Daily Balance, which is the balance at the end of each day during the statement cycle.
- If an Average Balance is noted, the average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
- The Overdraft/Non-Sufficient Funds charges/fees applies to overdrafts created by check, an in-person withdrawal, ATM withdrawal or other electronic means.
Disclosures that apply to all interest earning consumer checking 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. This method applies a daily periodic rate to the collected balance each day.
- Interest will be compounded and credited to your account monthly.
- If you close your account before interest is credited, you will receive the accrued interest.
- Interest begins to accrue no later than the business day we receive collected credit for the deposit of non-cash items (checks).
