Checking Accounts

Compare Checking Accounts

Simply Checking

If you like your checking simple and convenient, then First Citizens State Bank Simply Checking is the account for you. With no charges or minimums required, you can save on the banking services you use most every day. Just compare the cost of your current checking account with our Simply Checking Account . . . and see how much money you could be saving.

• No Minimum Balance
• No Monthly Service Charge With eStatements
• No Per-Check Charge
• Unlimited Check Writing
• Easy-to-Balance Statement in Check Number Order
• Printed Statements Available For A $2.00 Monthly Fee
• Customer Pays for Check Printing Charges
• ATM Fees Apply
• 24 Hour Visa Check Card Access and ATM Cash Card
• Internet Banking Available on all Accounts
• Mobile Banking Access
• Mobile Deposit Access
• 24-hour Account Inquiry and Transfer Information
• $100 minimum opening deposit required

Now Account

Benefits

• Earns competitive variable interest rate
• Direct Deposit available
• Unlimited check writing
• Easy-to-balance statement in check number order
• 24 Hour Visa Check Card Access and ATM Cash Card
• 24-hour account inquiry and transfer information**
• Interest is compounded monthly and credited on the last day of the statement

Fees

• No monthly service charge if balance is $1,000 or more
• During the monthly cycle, if balance falls below $1,000, a $6.00 maintenance fee and a $0.25 per withdrawal/debit fee will be charged
• Customer pays for check printing charges

Super Now Account

Benefits

• Earns competitive variable interest rate
• Direct Deposit available
• Unlimited check writing
• Easy-to-balance statement in check number order
• 24 Hour Visa Check Card Access and ATM Cash Card
• 24-hour account inquiry and transfer information**
• Interest is compounded monthly and credited on the last day of the statement

Fees

• No monthly service charge if balance is $1,500 or more or $5,000 average balance
• During the monthly cycle, if balance falls below $1,500 or a $5,000 average, a $7.00 maintenance fee and a $0.25 per withdrawal/debit fee will be charged
• Customer pays for check printing charges

Tiered Money Market

Benefits

• Earns competitive variable interest rate
• Direct Deposit available
• Each tier offers a higher interest rate
• Interest is based on each tier and is credited each month on the last day of the statement period
• Easy-to-balance statement in check number order
• 24-hour account inquiry and transfer information**

Fees

• During the monthly cycle, if the balance falls below $1,000, a $7.00 maintenance fee will be charged
• Customer pays for check printing charges
• Six (6) withdrawals (debits) per statement period at no charge
• There will be a $1.00 service charge for each debit in excess of 6 during a statement period

Preferred Account

For Customers 55 Or Better

Benefits

• No monthly service charge
• Earns competitive variable interest rate
• No minimum balance
• Direct Deposit Available
• Unlimited check writing
• Easy-to-balance statement in check number order
• 24-hour ATM Cash Card and Visa Check Card access
• 24-hour account inquiry and transfer information**

Fees

• Customer pays for check printing charges

Bank Pak Account

Benefits

• One low monthly membership fee
• No minimum balance, unlimited check writing
• Personalized club checks at no cost
• Accidental Death and Dismemberment Insurance
• Free money orders and cashiers checks
• $8.00 Annual Safe Deposit Box credit
• 24-hour Visa Check Card Access and ATM Cash Card
• Internet Banking available at no cost
• $5,000 Identity Fraud Expense Coverage
• Credit Card Registration
• Entertainment® SaversGuide®
• Cash Back Member Rewards
• Credit File Monitoring

Plans Available

Bank Pak Now Account

Benefits

• Same benefits as Bank Pak checking above
• Earns competitive variable interest rate
• Rates subject to change at any time

Fees

• The same low membership fee as Bank Pak checking above
• No service charge on checking if balance is $1,000 or more
• During the monthly cycle, if balance falls below $1,000, a $6.00 maintenance fee and a $0.25 per withdrawal/debit fee will be charged 

Direct Checking

This service is ideal if you would like to have your payroll checks deposited directly into a First Citizens State Bank Direct Checking Account. Direct Checking can save you time...and offers the following benefits:

• No monthly service charge
• Earns competitive variable interest if balance is $500 or more with interest being compounded monthly and credited on the last day of the statement
• Direct Deposit of payroll check required
• Unlimited check writing
• You are provided a FREE complimentary packet of checks to start the account. The cost of future check orders will be debited to your account.
• Easy-to-balance statement in check number order
• 24 Hour Visa Check Card and ATM Cash Card Access
• Internet Banking Available on all Accounts

** For 24-hour account inquiry and transfer information please call 1-800-236-8766

Disclosures that apply to ALL consumer checking accounts:

• Eligibility: The customer must not have an unfavorable account history.
• All references to "balance" is the Daily Balance, which is the balance at the end of each day during the statement cycle.
• If an Average Balance is noted, the average daily balance is determined by adding the full amount of the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Disclosures that apply to all INTEREST-EARNING consumer checking accounts:

• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance each day.
• Interest will be compounded and credited to your account monthly.
• If you close your account before the interest is credited, you will receive the accrued interest.
• Interest begins to accrue no later than the business day we receive the collected credit for the deposit of non-cash items (checks).