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.

 

 

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, bill pay and basic ID theft protection
  • 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, bill pay and basic ID theft protection
  • Limited overdraft protections 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, bill pay and basic ID theft protection
  • 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, bill pay and basic ID theft protection
  • Limited 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, bill pay and basic ID theft protection
  • Overdraft protection plans available

 

apply now      comparison table

 

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