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ComparisonDisclosuresTransactional Account Fees
Account Features


Simply CheckingDirect CheckingRegular AccountNow AccountSuper Now AccountTiered Money Market AccountPreferred AccountBank Pak AccountBank Pak Now Account
Minimum opening deposit$100$1$1$1$1$1$1$1$1
Minimum balance to avoid service chargesNoneNone$300$1,000$1,500$1,000NoneNone$1,000
Unlimited check writingYesYesYesYesYesNoYesYesYes
Earns interestNoYesNoYesYesYesYesNoYes
Free online bankingYesYesYesYesYesYesYesYesYes
Direct deposit availableYesRequiredYesYesYesYesYesYesYes
Easy-to-balance statementsYesYesYesYesYesYesYesYesYes
ATM Cash Card$7$7$7$7$7$7$7FreeFree
Disclosures that apply to ALL consumer checking accounts
Eligibility: Customer must not have an unfavorable checking account history.
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 the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Disclosures that apply to all INTEREST-EARNING consumer checking accounts
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 the interest is credited, you will receive the accrued interest.
Interest begins to accrue no later than the business day we receive the collected credit for the deposit of non-cash items (checks).
Stop payment$20.00
Overdraft fee$25.00
NSF - Returned item fee (Overdraft or Returned item fee applies to overdrafts created by a check, an in-person withdrawal, ATM withdrawal or other electronic means)$25.00
Continuing overdraft fee (Accounts overdrawn over 3 consecutive business days will be charged $2 per day for each additional day overdrawn.)$2.00
Statement copies (per copy)$2.00
Check copies (per copy)$2.00
Bookkeeping research (per hour)$25.00
Wire transfers
-Incoming domestic$10.00
-Outgoing domestic$20.00
-Incoming international$20.00
-Outgoing international$45.00
Incoming international ACH$10.00
Canadian item deposited$5.00
Collections of incoming/outgoing
-Up to $50.00$7.50
-Over $50.00$15.00
Cashier's check$3.00
Personal money order$2.50
Check certification$25.00
Item returned unpaid to bank$5.00
Legal process affecting an account (attachment, garnishment, levy, etc.)$25.00
Special cut-off of statement$2.00
Telephone transfer$2.00
Reconciling bank statement
-For 3 previous monthsNo Charge
-Additional months (per hour)$15.00
ATM Cash Card or Visa Check Card$7.00
Inactive account fee (after 24 months of no activity, per month)$3.00
Online Bill Pay (per month)$4.95
Bond of Indemnity$5.00
ATM usage fee (if using a First Citizens State Bank issued ATM Cash Card or Visa Check Card at a First Citizens State Bank owned ATM at one of the locations below)None
Main Office
207 W. Main St.
Whitewater, WI 53190
West Branch
1058 W. Main St.
Whitewater, WI 53190
East Troy Office
2546 E. Main St.
East Troy, WI 53120
Palmyra Office
111 E. Main St.
Palmyra, WI 53156
Eastsider Citgo
650 E. Milwaukee St.
Whitewater, WI 53190
ATM usage fee for First Citizens State Bank issued ATM Cash or Visa Check Cards at other locations:
At an Accel Affiliated Network ATM$1.00
Outside the Accel Affiliated Network$2.00