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Business Checking

Earnings Credit
An earnings credit on average collected balances maintained, not to exceed activity charges.
Activity Charges
Monthly maintenance charge of $2.50
$0.15 per debit item
$0.02 per item deposited
The number of checks you write and items included in your deposit will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.
Interest Rate: Competitive high-yielding variable rate with current rates posted in bank lobby
Rates subject to change at any time
Monthly maintenance charge of $5.00
$0.15 per debit item
Interest Rate: Competitive high-yielding variable rate with current rates posted in bank lobby
Rates subject to change at any time
Monthly maintenance charge of $6.00
$0.20 per debit item
No service charge if $2,500 minimum balance is maintained
Earns interest on the average collected balances maintained
Interest Rate: Competitive high-yielding variable rate with current rates posted in bank lobby
Rates subject to change at any time
Activity Charges
Monthly maintenance charge of $5.00
$0.15 per debit item
$0.02 per item deposited
The number of checks you write and items included in your deposit will determine the monthly activity charge
Interest Rate: Competitive high-yielding variable rate with current rates posted in bank lobby
Rates subject to change at any time
Each tier offers a higher rate of interest
$2,500 minimum balance
If balance falls below $2,500 during cycle, a $5.00 fee applies
Maximum of 6 transactions per month
Earnings Credit
An earnings credit on average collected balances maintained, not to exceed activity charges
Activity Charges
Monthly maintenance charge of $2.50
$0.15 per debit item
$0.02 per item deposited
The number of checks you write and items included in your deposit will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.
Interest Rate: Competitive high-yielding variable rate with current rates posted in bank lobby
Rates subject to change at any time
Each tier offers a higher rate of interest
$2,500 minimum balance
If balance falls below $2,500 during cycle, a $5.00 fee applies
Maximum of 6 transactions per month

Business Lending

Business Lending

First Citizens State Bank provides a great deal of lending options for your business needs, we realize the uniqueness of each business and take pride in working closely with you to determine the best options available to you. Our experienced commercial lenders will be there to guide and assist you with your lending requirements each and every step of the way.

Business Lending

First Citizens State Bank not only can offer the expertise of our highly knowledgable commercial lenders but also is an active member of the WBA Team Network. The WBA Team Network is a business consulting firm that provides a business with an analysis of various government agency programs that may be used to supplement conventional financing sources.

We are also very actively involved with the Small Business Administration (SBA) and are able to provide excellent lending options in coordination with the SBA. SBA lending options may also be another avenue in supplementing any conventional lending sources.

Our lending options don’t stop there, we also have several options available to the investor as well as the rental property owner. Our competitive interest rates make owning investment and rental property a profitable venture.

Please feel free to contact a lending professional at any of our locations for additional information.

Investment & Rental Property

These loans are for the purchase of investment or rental property. We offer competitive interest rates with loans amortized over 25 years, with notes written on a shorter term. Just call one of our loan officers for details on a streamlined application process for these loans.
The following information will be helpful to us in expediting the processing of your real estate loan request.
1. Information on your income and the income of any co-applicant as well as length of employment.
2. Information on deposits you have at financial institutions, investments, etc.
3. The application form will request information on what you currently owe to creditors and the respective payments.
4. A list of other assets you own.
5. There may be other items requested by the loan officer.

Business Credit Cards

Business Credit Cards

At First Citizens State Bank we know how difficult it can be to find the best business credit card to suit your needs, that’s why we offer many 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 newest cards 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 traditional credit card with generous credit lines, then a Visa Business 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 or a minimal annual fee, then the Visa Business Travel or Rewards cards may just be 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.

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(800) 472-3272
Credit Cards(866) 552-8855