We put the perks of a branch in the palm of your hand.

HighStyle Interest Checking

Who doesn't like living the high life? This high-interest checking account earns 2.00% APY* every month you qualify — and pays you ATM fee refunds! Free services like mobile banking make it easy to manage your extra income. Plus, the ATM fee refunds aren't just good in Ohio, they're good nationwide!

  • Features competitive interest to boost your balance
  • 2% APY* on balances up to $10,000 (if relationship requirements are met)
  • 0.01% APY* if requirements aren't met
  • Refunds on out-of-network ATM surcharge fees (up to $10 per month)
  • Avoid the $7.50 monthly service fee by maintaining a $1,500 minimum balance
  • Unlimited monthly transactions
  • Online banking & bill pay
  • Mobile banking with mobile deposit
  • eStatements
  • ID theft protection
  • Telephone banking
  • Visa® debit card
  • Overdraft protection available
  • $25 minimum deposit to open

It's Easy to Qualify for Your Rewards

To earn your rewards, you must meet the following monthly qualifications:

  1. Conduct 15 or more Point of Sale debit card transactions 
  2. Have at least one login to online banking per cycle

That's all you have to do to earn our base interest rate and receive ATM fee refunds! If you don't qualify one month, don't worry — you'll still have a low-to-no-cost account with free, timesaving services. But the rewards don't stop there...

Learn How to Earn Our Bonus Rate

We like to show our loyal customers some extra love. We'll pay you a higher interest rate just for using the First Citizens services you probably already use! Earn .02% APY* when you meet one of the following requirements, earn .50% APY* when you meet two, and earn 2% APY* when you meet three or four:

  • $5000 or more in combined SAV and MM accounts
  • $5000 or more in combined CD accounts
  • A First Citizens National Bank of Upper Sandusky loan
  • Total direct deposits for the month exceeding $500

If you don't enjoy these services yet, you'll still earn our base interest rate of 0.01%. It's like you have to work to not make money. Start living the high life — apply today!

*APY = annual percentage yield