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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


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

  • 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

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Accounts Designed to Fit How You Manage Money

Your spending account is the foundation of your finances. That’s why we offer a variety of different spending accounts for you to choose from.

Personal Checking
 Q: Do you typically have $1,000 or more in your spending account?Q: Do you have a cell phone or look for deals when you shop?Q: Do you want a low cost account with basic benefits?
 BaZing Plus
We reward your relationship.
Benefits you'll use.
Basic Spending
Just the basics.

Anywhere Banking Tools Online banking, mobile banking, bill pay, and e-statement.

Free customizable debit card5
Customize your My Pic or My Pic ID debit card to fit your personality.

Ka'Ching Debit Card Rewards3
Use your First Citizens Bank debit card and receive up to $10.00 a month.

Shop local, save local with BaZing savings6
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.

Cell phone protection1,2
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

ID theft aid1,2
Includes payment card fraud resolution, up to $2,500 in personal identity theft benefit and identity restoration.

Roadside assistance
Available 24/7 and free to use, up to $80 in covered service charges.

Pharmacy, vision and hearing savings
Save money on prescriptions, eye exams, frames, lenses and hearing services.

Interest on your checking balance7
Our best checking rate.
Monthly fee information 
Maintain a $1,000 average collected balance, and we'll waive the $8 monthly fee.4Only $6 per month.4Maintain an average collected balance of $50, and we'll waive the $7 monthly fee.4 Enroll in e-statements to avoid a $3.00 paper statement fee.
 Open NowOpen NowOpen Now

1Cell phone protection and personal identity theft benefit are subject to additional terms and conditions.


3First Citizens Bank reserves the right to change or discontinue this program at any time without further notice.

4Plus tax as applicable.

5Bank approval standards apply.

6Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.

7We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected balance in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield, currently 0.15% APY as of October 22, 2019. The interest rate is subject to change at the sole discretion of the bank at any time without notice.


Need to balance your checkbook?

Click here for the reconciliation form.

Overdraft Privilege Plus

If your debit card or ATM transaction causes your spending account to overdraw, federal regulations require us to decline the transaction unless you’ve given us permission to cover the overdraft and charge a fee for that service. If you do want those types of transactions covered, you can give us permission by simply opting-in!*

There are four ways to opt-in:

  1. Stop in to any First Citizens location and see a Personal Banker to opt-in
  2. Call the First Citizens location nearest you and ask to speak with a Personal Banker to opt-in
  3. Click here, complete the form on page 2, and mail it to:
    First Citizens Bank, 2601 4th St SW, Mason City, IA 50401
  4. Email a Personal Banker and tell them you’d like to opt-in

Click here for frequently asked questions.

Additional Overdraft Protection Options:

  1. Automatic Transfers: A pre-authorized service in which we link the customer's spending account to another account, such as a savings account.
  2. Reserve Line of Credit: A pre-approved line of credit loan.
*We will charge $30 for each overdraft advance, created by check, draft, in-person withdrawal, ACH, or other pre-authorized transfer. (Debit card and ATM transactions will be added for those who opt-in.) Total overdraft fees are limited to $150 per day (consumer accounts). Your spending account must have a positive balance within 35 days of your overdraft notice. Payment of your overdrafts is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. Does not apply to business accounts or health savings accounts (HSAs).
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