Services

To enable you to efficiently utilize your First Citizens deposit and investment plans, we also have a number of convenience services to help make your money easier to manage and your transactions more secure. They’re all part of our goal of becoming your single source for total financial services.

• ATM Services
• Combined Statements
• Direct Deposit
• Pre-Authorized Transfers or Payments
• Electronic Banking
• Telephone Banking
• Point-of-Sale Terminal Transactions
• Traveling
• Overdraft Protection
• Other Bank Services
• Rates

ATM Services
First Citizens has partnered with KeyBank to offer our customers surcharge-free access to any KeyBank ATM in Ohio, Michigan and Indiana. That’s access to more than 500 machines and a savings of the surcharge fee, typically $2.00 per withdrawal (network interchange fee of $1.75 still applies). KeyBank has ATM’s in many surrounding Ohio Cities including: Columbus, Findlay, Fostoria, Bowling Green, Mansfield, Port Clinton and Toledo. 

Just look for a KeyBank ATM when you are traveling in the tri-state area. If you don’t have a First Citizens Debit or ATM card, we would be pleased to offer you one. Contact us today!

Combined Statements
We will issue statements for any number of your First Citizens checking, Statement Savings, Certificates of Deposit, Individual Retirement Accounts, Mortgage Loan, Commercial Loan and Installment Loan accounts on one, easy to review format at no additional charge.

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Direct Deposit
A great way to save numerous trips to the bank for deposits and eliminate the worry of lost or stolen checks. Direct Deposit, at no charge to you, can be arranged for virtually any payment you receive on a regular basis – Social Security, payroll, dividends, etc.

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Pre-Authorized Transfers or Payments
The easiest way to make your monthly loan payment(s) or to establish a systematic savings plan is to have the amount automatically deducted from your checking account with First Citizens. This service is available at no charge. 

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Electronic Banking
With a First Citizens STAR® ATM Card or FIRST CHECK®  (DEBIT) CARD, you can enjoy around-the-clock access to your checking or savings account(s) at any ATM displaying the STAR® , Pulse® , Plus System®  or VISA®  symbols. Withdrawals, deposits (Ohio only), balance inquiries and transfers between accounts can all be done conveniently, 24-hours a day, seven days a week. Click here for information about our Online Banking products.

FIRST CHECK®  CARD offers all the benefits of the STAR®  ATM card plus it is also accepted at any merchant that accepts VISA® . The card looks like a credit card but works like a check with the purchase deducted from your checking account. Using FIRST CHECK CARD®  eliminates the check approval and identification process. There is a nominal fee for withdrawals when using non-First Citizens ATM’s.

Your FIRST CHECK® card is now protected by Verified by VISA® — it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction. Your card will then have password protection whenever you shop online at participating stores listed at www.visa.com/shopverified.

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Telephone Banking   APPLY NOW
TeleBanking allows you to dial toll-free (1-888-EST-1860) to access your accounts by telephone 24-hours a day. You can verify balances, deposits, withdrawals and checks paid, transfer funds, and receive faxed account statements.

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Point-of-Sale Terminal Transactions
You may also use your First Citizens STAR®  ATM Card to purchase goods and services from merchants who have agreed to accept your card as a means of payment.

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Traveling
Use your First Citizens STAR®  ATM Card or FIRST CHECK®  CARD when traveling in the United States or anywhere else in the world. STAR®  and Pulse®  locations are available throughout many regions of the United States. Plus System®  ATM’s are located throughout the United States and worldwide. Call 1-800-THE-PLUS for the nearest locations. FIRST CHECK®  CARD may also be used worldwide at any merchant or ATM displaying the VISA®  logo.

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Overdraft Protection

• Cash Reserve – This line of credit program protects your checking account from overdrafts and eliminates the overdraft fee by an automatic cash advance transfer ($100 increments only – up to the credit line) from your line of credit to your First Citizens checking account. Interest is calculated daily on the unpaid Cash Reserve balance. Monthly payments are the greater of 5% of the credit line or $10. Annual Percentage Rate (APR) is 18%.  Requires credit application and approval.
  
• Overdraft Protection Plan – Link your Statement Savings, Money Market or another checking account to your primary checking account for similar overdraft protection. Overdrafts are covered by authorizing the Bank to transfer the amount of your overdraft plus a $5 charge per business day that a draw is made from your linked account. (Limited by Federal Regulation to six authorized transfers per month.)

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Other Bank Services
• Account Reconciliation
• Bank-by-Mail
• Cash Advance – Visa/MasterCard®
• Certification of a Check
• Check Sorting
• Coin Sorting and Wrapping
• Computerized Amortization Schedule
• Coupon Redemption
• Deposit Bags and Night Depository
• Foreign Currency
• International Drafts
• Merchant Sales Drafts – Visa/MasterCard®
• Money Orders
• Notary Service
• Official Checks
• Safe Deposit Boxes
• Signature Guarantee
• Special Statements
• Stop Payments
• Telephone Transfers
• Travelers Checks
• Utility Payments
• Wire Transfers

(Consult a First Citizens Banking Specialist for availability and pricing.)

Federal Deposit Insurance
First Citizens is a member of the Federal Deposit Insurance Corporation (FDIC), and, as such, your deposits are insured to $100,000. Deposits in excess of $100,000 may also be insured depending on the rights or capacities in which they are held. In addition, IRA and Keogh deposits are insured separately from other deposits maintained at the Bank up to $100,000. For more information, contact our new accounts representative or refer to the FDIC Brochures located in the lobby for your convenience.

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