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Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel. (641)423-1600

Monday-Thursday: 9:00am - 4:00pm
Friday: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
Get Directions

Change Preferred Branch

  • Charles City Branch
    300 North Main Street
    Charles City, IA 50616

  • Clarion Branch
    315 Central Avenue East
    Clarion, IA 50525

  • Kanawha Branch
    220 North Main Street
    Kanawha, IA 50447

  • Mason City State Street Branch
    33 East State Street
    Mason City, IA 50401

  • Mason City West Branch
    2601 4th Street SW
    Mason City, IA 50401

  • Mora Branch
    730 Forest Ave East
    Mora, MN 55051

  • New Hampton Branch
    124 West Main Street
    New Hampton, IA 50659

  • Osage Branch
    501 Main Street
    Osage, IA 50461

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Bill Pay FAQs


Bill Pay is a convenient way to pay bills from one site, all within Online Banking or our Mobile Banking app!

Bill Pay is New and Improved!

Click here for the demo and check it out

Below are some frequently asked questions about Bill Pay. For detailed help please refer to the Help Guide within the Bill Pay feature. 

Q: What are the payment limits for Bill Pay?
Minimum $1.00, maximum $99,999.99 (per transaction)

Q: Can I make any type of payment I want?
There are some prohibited payments. Those are: tax payments (local, state, and federal); court ordered payments

Q: Who can I pay?
Payments can be made to any legal entity within the United States and its territories (APO, FPO, Guam, US Virgin Islands)

Q: I scheduled my payment appropriately, but I still got a late fee. Do I have to pay that? 
Fiserv (the company that provides our Bill Pay service), covers any late-payment related charges (up to $50.00) should a payment arrive after its deliver-by date, as long as you scheduled the transaction in accordance with Fiserv’s terms. 

Q: What are the cutoff times for Bill Pay? 
Cutoff time is 9:00 pm Central, but some payees (to whom you’re paying the bill) might have an earlier cutoff time. If you make a payment by the payee’s cutoff time, the earliest Deliver By date is 1 business day (if Fiserv can send an electronic payment) or 5 business days (if Fiserv has to send a check). 

Q: I have recurring payments set up. What happens when they fall on a holiday or weekend? 
Sometimes a payment date for an automatic payment falls on a non-processing day. When this occurs Fiserv process that payment on the previous banking business day. You will receive an email notification prior to that occurring.

Q: If I do not have enough funds in my accounts, will you still pay my bill? 
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If you have Overdraft PrivilegeSM Service we will release the funds and you will be charged an overdraft fee from First Citizens in accordance with our Schedule of Fees. In this case yes, your bill will be paid. If you do not have Overdraft PrivilegeSM Service, your bill may or may not be paid, depending on the type of payment sent from Fiserv, the type of business, and if they have an existing relationship with Fiserv. If Fiserv pays the bill and you do not have sufficient funds, you may receive an Insufficient Funds letter from them. Please note that too many instances of insufficient funds may result in your Bill Pay account being frozen, meaning you will not be able to use Bill Pay until Fiserv receives their funds. If you are unsure whether you have Overdraft PrivilegeSM Service, please contact a Personal Banker.

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