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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
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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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Home Credit Center Deposit Accounts/Services

Deposit Accounts/Services


Establish a Solid Financial Foundation

Cash flow is crucial for a business of any size. Our checking and savings accounts were designed to help you keep more of your money while maximizing every dollar you earn.

And when combined with Business Online Banking or our Cash Management tools, you will be able to spend less time managing your finances and more time focused on your business.

Compare our business checking account options

Compare our business checking account options


Non-Profit Checking

Business Basics Checking

Commercial Checking

Commercial Checking w/Interest

This account is ideal for you if…

You work for non-profit organization.

Your small business has a low number of transactions.

Your business has a higher transaction level and require additional cash management tools.

Our Commercial Checking account fits you, but you want to earn more on your balances.

Account features & benefits

Balances earn interest.

Non-interest bearing account.

Monthly fee may be offset by account activity and balances.

All the benefits of Commercial Checking with added perk of earning interest on balances.*

*Subject to qualification guidelines.

Pay your business expenses with a First Citizens Business Debit Card.

We also offer Commercial Reserve. It’s a line of credit that can be attached to any of our business spending accounts to help you avoid inadvertent overdrafts or to write a loan to yourself.

And don't forget about our business savings accounts!

business savings accounts


Basic Savings

Platinum Savings

High Balance Savings


IntraFi® Network DepositsSM

This account is ideal for you if…

You want to start a savings plan for your business.

Your business can keep a higher savings balance.

Your business can devote a lot to savings and wants to earn a great rate for it.

You have excess funds on hand and want to diversify your business’s investment.

Your business has funds in excess of $250,000 it would like to grow securely.

Account features & benefits

Get access to online banking tools for no minimum deposit.

Earn competitive interest rates and gain access to online banking tools by opening with a $10,000 deposit.

Tiered interest rates help you earn more while you maintain easy access to your money through Online Banking.

Terms range from 7 days to 60 months.

Allows your money to grow while being protected with FDIC insurance.

Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have a First Citizens business checking account, your savings account statement will be provided to you monthly with your checking statement.

Health Savings Account

A Health Savings Accounts (HSA) offers tax benefits to both their owners and to employers who choose to contribute to them.

  • Provides a lower-cost healthcare insurance option for employees.
  • Contributions have tax benefits.*
  • First Citizens provides IRS year-end reporting.

*Please consult with your tax advisor prior to establishing an HSA account.


Stop by to open your business checking and savings account today!

Our Business Banking experts can help you find the right solution for your specific needs, regardless of whether you run a start-up, have an established business or work in agriculture.



Deposit Services

Let First Citizens help you manage your money while you grow your business -- with dependable, accurate and efficient deposit services.

Direct Deposit/ACH/Payroll

Manage your accounts payable and receivable with ease


Direct Deposit/ACH

Merchant Services

Offer credit/debit cards as a payment option to your customers

Merchant Processing

Digital Deposit

Deposit electronically from the convenience of your desk

Remote Check Deposit

Wire Transfer

Transfer funds quickly and securely by wire

Wire Transfer

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