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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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Purchase Rewards


Turn Everyday Purchases into Cash

Purchase Rewards lets you earn rewards by using your First Citizens debit card to purchase merchandise and services. This program is available to all FCB debit card holders. Through this program, you'll receive targeted offers to receive rewards on purchases based on how you shop. As a debit card holder there is no limit to the rewards you can earn. So, the more you use your debit card, the more offers you can receive and the more rewards you can earn!


Get cash back just by using your debit card!


Click on the offer within Online Banking to activate exclusive cash back offers at the types of places you like to shop.


Shop online or in stores to redeem your offers by paying with your debit card.


Earn cash back - deposited right into your* account at the end of the next month.

*If customer has a joint account, only the offers activated and fulfilled by the primary account holder will be rewarded. To check who the primary account holder is, please contact FCB directly.

Two ways to redeem offers; an offer will specify one or both:


In-Store Offer

Must shop at the actual store.


Online Offer

Must make the purchase online.

Purchase Rewards Frequently Asked Questions

Click to View

Q: Where do I go to see offers?
You can find offers on the main page of FCB Online Banking beneath the Bill Pay area in a section called "My Rewards." Offers can also be found on the account history page or the rewards summary page. New deals will be labeled as "Available Deals" until you click to activate them. Once clicked, the reward is "loaded onto" the associated debit card. All offers can be viewed by visiting the My Rewards page.

Q: How do I redeem offers?
Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward. Each offer has different details regarding when and where to shop and how much you need to spend. Please read the details to determine how to redeem each offer and start earning rewards. 

Q: Do I need to use a coupon or code to earn rewards?
Typically, you do not need a coupon or code to redeem an offer. Offers that require an online purchase are clearly specified and may include a redemption code. 

Q: How long do I have to take advantage of an offer?
Each offer has an offer period that was set by the merchant. You must redeem offers before the expiration date. The expiration date can be found in the offer details section by clicking on the offer. 

Q: When do I receive the rewards for the offers I redeem?
Your rewards will typically be deposited to your account the month after you redeem the offer. Since we do not share your personal information with retailers, we cannot credit your account immediately at the time of purchase. For example, any rewards you redeem in the month of March typically will be credited to your account at the end of April. If you would like to see the offers you have redeemed or the total value of the offers you have redeemed, please visit the "Earned Deals" section.

Q: If I have more than one account will I see the same offers on both accounts?
Offers are matched on an account level, based on the purchases made with your financial institution's debit card for that account. If you make different purchases with different accounts, you will see different offers in those accounts. You must use the FCB debit card connected to that account to redeem offers for that account. 

Q: Can I use any of my FCB debit cards to earn rewards?
You have to use the FCB debit card associated with the account that received the offer to earn rewards.

Q: Why don't I have any offers?
Offers are based on how you currently shop to ensure the offers you receive are relevant. If you seldom use your debit card, you may not receive any offers until you begin using your card more. The more you use your FCB debit card, the more chances you will have to receive relevant offers.

Alternatively, you may not be receiving any offers because you accidentally opted out of the program. If you cannot access the rewards summary page or you don't see the Rewards section below Bill Pay, you are not enrolled in the program. Please call us at 1-800-423-1602 to be opted back into Purchase Rewards.

Q: What if I do not want to receive offers?
You can opt out by clicking on the "Preferences" tab within the My Rewards section. There you'll see "My Rewards enrollment status: currently you are Opted In," and to the right is a blue "Opt Out" button. If you opt out of the rewards program but change your mind later, please contact us at 1-800-423-1602 and we will resume providing offers to you.

Q: Is my personal information shared with retailers?
No. Your personal information is not shared with retailers. In fact, no personal information leaves First Citizens Bank. 

Q: Who administers this program?
This program is administered through a third party. All personally identifiable information is secure and is not shared with the third party. Our third party partner will make the best efforts to collect all of the rewards due to you and assumes all liability for the collections. First Citizens Bank is not liable for rewards, but will work with the partner to ensure a great customer experience.

Q: Is this program free?
YES! This program is totally free. There is no cost associated with the program, making it easy for FCB debit card customers to earn rewards. This rewards program is just another benefit of using your FCB debit card.

Q: Who do I call if I have questions?
Please call us at 1-800-423-1602 with any questions. We're happy to help you!

Offers typically include:

  • Promotional period
  • Reward amount
  • Condition to qualify for the reward (example: spend $15 and get $3 back - must spend the $15)
  • General, unstated condition is that the user must always use debit card tied to the reward
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