Become a Financial Expert Without Spending a Dime

Financial literacy is very important to us at First Citizens Bank. That is why we have partnered with Banzai, an innovative online program, to offer FREE hands-on financial learning! We believe there is something in this program that everyone can learn. Banzai provides personal financial education courses that include pre-tests and post-tests. Banzai Courses use real-life scenarios to demonstrate the power of good financial planning. The modules are self-paced, fun, interactive, and age-appropriate*.
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With rising costs each year, being prepared for medical expenses is nothing to sneeze at. It’s well worth exploring your health insurance options. A health savings account (HSA) can be a valuable tool to help you manage your health care costs and plan for your future. HSA’s were created so that individuals covered by high deductible health plans could receive tax-preferred treatment for the money they save for medical expenses.* These eligibility requirements include: The account
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As we approach the time in November for annual feasts and giving thanks, it’s only fitting that we pause and reflect on the goodness of gratitude. Gratitude is the heart of being happy, and we could all use a mighty big helping of happiness!  An attitude of gratitude provides a lifeline to carry us through the darkest moments and uncertainties of life. (We certainly have had our share of those this year with all of the incredible challenges brought on by the pandemic!) Giving thanks
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In today’s busy world, the ability to do things online is priceless. That includes banking. Opening a brand new bank account online with First Citizens is quick. It takes around 10 minutes — much faster than visiting one of our physical branch locations in person. From our website, we make applying for a bank account engaging, intuitive, and as hassle-free as possible. Before we get into all of that though, you need to meet the following eligibility requirements: Be a US resident
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You voted and the results are in… In North Iowa we were voted Globe Gazette’s Readers’ Choice Bank and Financial/Estate Planner, and in Mora, MN we were voted Kanabec County Times’ Best of Kanabec County Best Place to Work (small business) and Best Financial Institution/Bank. We’re so honored that you consider First Citizens to be one of the best businesses in your communities!  At First Citizens, our Core Values speak volumes about who we are. We
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We may have told you a time or two, but here at First Citizens Wealth Management, we’re A Team You Can TRUST.  And in this article, we’re going to explore yet another reason why. Did you know we offer retirement planning services on more than just an individual level? We’ve entered a partnership with EPIC Retirement Plan Services (EPIC RPS) to provide you and your business with retirement plan services. First let’s discuss why it’s important to offer a retirement
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First Citizens Bank is pleased to announce the hiring of an addition to the First Citizens Bank team and a new member to the Wealth Management team. Cody Martin has joined the First Citizens Bank team as a Personal Banker in the west Mason City location. Previously, Martin worked in the financial services industry for three years. He is originally from Bagley, Wisconsin.   In his free time Martin helps coach a 7th grade travel basketball team. He and his wife, Joanna,
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Cyber security awareness is something we all need to embrace. The more you know, the safer you are, and knowing is half the battle. In today’s world, more and more of our home devices (including thermostats, door locks, coffee machines, and smoke alarms) are connected to the Internet. This enables us to control our devices on our smartphones, no matter our location, which can in turn save us time and money while providing convenience and even safety.  These advances in technology are
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Humans are fallible—sometimes we just need guidelines. If you struggle making sense of a sea of budgeting systems and apps, consider the 50/30/20 rule. The 50/30/20 rule states that your after-tax income should be roughly divided three ways: 50% to needs 30% to wants 20% to long-term savings The 50/30/20 rule is not gospel and it's not a law. It's a guard rail around your spending and savings decisions. Here's a tool to help you see how much of your monthly income
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As we transition from warm summer weather into crisp fall days, it’s a good time to think about the future. Retirement planning is such an important part of your future, and it starts with thinking about your retirement goals. And not just your goals, but how long you have to meet them, how important each one is, and the likelihood that you can make it all happen. There are so many things to think about. What expenses will you have in retirement? What other income will you have? What about
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