Checking

First Citizens National Bank offers several checking account solutions designed to fit your individual banking needs. Each account offers free online banking, online bill pay, 24 hour telephone banking, and free Visa® debit cards.

 


MyStyle Cash Checking

Earn cash back on the banking services you use every day!

 

  • Minimum balance to open account $25
  • 1% cash back on debit card point of sale transactions, up to $10 per cycle
  • Up to $20 out of network ATM surcharge/fee refunds
  • Mobile Deposit fees refunded
  • Unlimited debit card usage
  • Unlimited check writing
  • Monthly service fee of $5.00
  • A non-interest bearing account
  • Free online banking, mobile banking and basic ID theft protection
  • Online Bill Pay available
  • Overdraft protection plans available

 

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HighStyle Interest Checking

Take advantage of your savings and loan accounts plus the banking services you use every day and start earning up to 2% interest!

 

  • Minimum balance to open account $25
  • Interest bearing account - bonus interest rate on balances up to $10,0000 (additional qualified relationship requirements must be met)
  • Up to $10 out of network ATM surcharge/fee refunds
  • Mobile Deposit fees refunded
  • Unlimited debit card usage
  • Unlimited check writing
  • Monthly service fee of $7.50 (waived if daily minimum balance of $1,500 is maintained for the cycle)
  • Check images included in your statement
  • Free online banking, mobile banking and basic ID theft protection
  • Online Bill Pay available
  • Overdraft protection plans available

 

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First Green Checking

This account is designed for those who keep a small balance and do not want check images with their statements.

 

  • Minimum balance to open account $25
  • Monthly service fee of $3.50 is waived if you maintain a daily balance of $300 or have an active online banking account and receive e-statements
  • A non-interest bearing account
  • Unlimited check writing
  • No check images included in your statement
  • Free online banking, mobile banking and basic ID theft protection
  • Online Bill Pay available
  • Limited overdraft protections plans available

 

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Classic Checking

This traditional type of account is designed for those who keep higher balances and want images with their statements.

 

  • Minimum balance to open account $25
  • Monthly service fee of $4.00 is waived if you maintain a daily balance of $400 or $1,500 in any combination of accounts
  • A non-interest bearing account
  • Unlimited check writing
  • Check images included in your statement
  • Free online banking, mobile banking and basic ID theft protection
  • Online Bill Pay available
  • Overdraft protection plans available

 

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Freedom Checking

For those over age 55, this account offers free Specialty Gray checks (shipping/postage charges apply) and a low required minimum balance.

 

  • Minimum balance to open account $25
  • Monthly service fee of $4.00 is waived if you maintain a balance of $100
  • A non-interest bearing account
  • Unlimited check writing
  • Check images included in your statement
  • Free online banking, mobile banking and basic ID theft protection
  • Online Bill Pay available
  • Overdraft protection plans available

 

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NOW Checking

For those keeping a higher balance in their checking account, this option allows unlimited check writing while earning interest.

 

  • Minimum balance to open account $2,000
  • Monthly service fee of $7.50 is waived if you maintain a balance of $2,000 or $2,000 in another designated checking or savings account
  • An interest bearing account
  • Unlimited check writing
  • Check images included in your statement
  • Free online banking, mobile banking and basic ID theft protection
  • Online Bill Pay available
  • Overdraft protection plans available

 

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Economy Checking

For the customer who maintains a low checking balance and writes few checks per month.

 

  • Minimum balance to open account $25
  • Monthly service fee of $2.58 is waived if account is active and maintains a daily balance of $50
  • A non-interest bearing account
  • Per debit charge of $0.30 (includes Debit/ATM card transactions)
  • Check images included in your statement
  • Free online banking, mobile banking and basic ID theft protection
  • Online Bill Pay available
  • Limited overdraft protection plans available

 

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