Skip to Content

Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

Mason City Change Location

2601 4th Street SW
Mason City, IA 50401


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

  • Clarion Branch
    315 Central Avenue East - Clarion

  • Kanawha Branch
    220 North Main Street - Kanawha

  • Latimer Branch
    119 North Akir Street - Latimer

  • Mason City State Street Branch
    33 East State Street - Mason City

  • Mason City West Branch
    2601 4th Street SW - Mason City

  • Mora Branch
    730 Forest Ave East - Mora

  • New Hampton Branch
    124 West Main Street - New Hampton

  • Osage Branch
    501 Main Street - Osage

mail icon Search Icon Menu


Start navigating site here or scroll down


Pay with your iPhone or Apple Watch

Who doesn’t love a little convenience? By connecting your First Citizens Bank MasterCard® debit card to the Apple Pay app, you can make purchases without needing to swipe your debit card and enter your PIN. It certainly comes in handy for those times when you forget your wallet!

Using Apple Pay makes sense

Why should you consider using Apple Pay on your iPhone or Apple Watch?

  • You already have your iPhone or Apple Watch with you all the time anyway.
  • Swipe your phone or watch – how much easier can it get?
  • You’re protected by the security feature of your Apple device and the support of Apple’s entire security system.

Setting up Apple Pay

iPhone and iPad Setup Guide

Apple Pay FAQs

What items do I need to use Apple Pay?

You need a supported debit card from a participating bank, an Apple® ID signed in to iCloud®, and one of these devices:

  • iPhone® SE, iPhone® 6, iPhone® 6 Plus, and later (in stores and within apps)
  • iPad Pro®, iPad Air® 2, iPad mini™ 3, and later (within apps)
  • Apple Watch® paired with your iPhone® (in stores)

You also need the latest version of iOS or watchOS

How do I set up Apple Pay?

iPhone and iPad Setup Guide

To add a credit or debit card on Apple Watch, open the Watch app on iPhone® and tap “Wallet & Apple Pay”. If you already added a card to your paired iPhone, you can add it to your Apple Watch by tapping “Add” next to the card, then entering your card security code. Or, you can tap “Add Credit or Debit Card.” Your bank will decide whether to approve adding your card to Apple Pay. They might ask you to provide more information to complete the verification process.

How secure is Apple Pay?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

How does Apple Pay keep my information private?

When you pay in stores, neither Apple® nor your device sends your actual credit or debit card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping addresses you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you’re buying. Apps that use Apple Pay must have a privacy policy that you can view which governs the use of your data.

Is Apple Pay free?

Yes. Be aware that message and data rates may apply, depending on your data plan.

Where can I use Apple Pay?

The list is growing every day. The most up-to-date information is here:

You can also use your card where you see these symbols at the checkout: Image of hand holding a square and Apple Pay logo

My cell phone number does not come up as part of the verification process so I can’t send myself a text message to confirm my Apple Pay enrollment.

If you do not see your cell phone number as one of the options to receive a text verification, that means your cell phone number is not associated with your First Citizens bank account. In this case, you’ll need to call the phone number listed on the screen and answer the questions. Afterward, it may be a good idea to add your cell phone number to your account. Call the First Citizens location nearest you to add that to your account.

I received a weird message from Shazam Bolt$ after I signed up for Apple Pay. What does that mean?

If you’ve enrolled in Shazam Bolt$ (the free debit fraud monitoring program) you may receive a fraud alert via email or text message (depending on your settings) that indicates “MasterCard Token Provisioning” has occurred on your account. This will only occur when you use text message verification to complete your Apple Pay set up, not if you choose the phone call verification method. If you receive this fraud alert message you may choose to ignore it or you may call Shazam as instructed in the email.

 I have a question that is not listed here. Who should I contact?

You may call First Citizens Bank toll-free at 800-423-1602 and ask to speak with a Personal Banker or someone in our Operations department. They will be happy to answer any other questions you may have. You can also visit the Apple Pay website itself for more detailed technical information. This can be found here:

Contact Us
Back to Top