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.
| 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. | BaZing 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.4 | Only $6 per month.4 | Maintain 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 Now | Open Now | Open Now |
1Cell phone protection and personal identity theft benefit are subject to additional terms and conditions.
2Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
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 January 22, 2020. 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:
- Stop in to any First Citizens location and see a Personal Banker to opt-in
- Call the First Citizens location nearest you and ask to speak with a Personal Banker to opt-in
- Click here, complete the form on page 2, and mail it to:
First Citizens Bank, 2601 4th St SW, Mason City, IA 50401 - Email a Personal Banker and tell them you’d like to opt-in
Click here for frequently asked questions.
Additional Overdraft Protection Options:
- Automatic Transfers: A pre-authorized service in which we link the customer's spending account to another account, such as a savings account.
- Reserve Line of Credit: A pre-approved line of credit loan.
*We will charge $35 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 $140 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).
