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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

Hours
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

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    124 West Main Street - New Hampton

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    501 Main Street - Osage

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First Citizens Bank Federal E-Sign Disclosure and Consent

PLEASE READ THIS AGREEMENT CAREFULLY 

This Federal E-Sign Disclosure and Consent is between First Citizens Bank and First Citizens Online Bank customers regarding the receipt of items electronically through its secure web based interface: periodic statements, legal or regulatory disclosures, notices or disclosures about a change in terms regarding your accounts, privacy policies and notices, other communications we may include from time to time as part of account relationships with our bank and/or the eStatements program, overdraft or insufficient funds notices or any billing notices that may apply.

Paper Delivery of Disclosures and Notices
You have the right to receive a paper copy of any disclosures, notices, terms and conditions, other documents and any changes. To receive a paper copy at no charge, please request it in one of the following ways: Call First Citizens Bank at 1-800-423-1602 and speak with the customer service department or any personal banker, or contact us in person at any of our offices, or write us at First Citizens Bank, P.O. Box 1708, Mason City, IA 50401. Include your name, mailing address and state that you are asking for a copy of the disclosures, notices or other information.

Withdrawal of Consent of Electronic Acceptance of Disclosures and Notices
You may contact us in any of the ways described above to withdraw your consent to receive any future disclosures, notices, terms and conditions or other documents electronically. Depending on the type of account you have chosen with First Citizens Bank, this may result in the closing of your account or the imposition of certain fees. Should this occur, we will notify you of any action that will be required or fees imposed.

Change in How We May Contact You Electronically
It is your responsibility to provide us with a true, accurate and complete e-mail address, contact and other information related to the Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through Online Banking, or through the methods described above.

Hardware, Software, and Access Requirements
In order for the Service to work properly, you must have access to a computer with a web browser having the following minimum browser requirements:

Windows
Microsoft Internet Explorer (version 8.0 through 11.0)
Mozilla Firefox (all versions)
Safari (versions through 6.0.5+)
Google Chrome (version 4.0 through version 29.0.1547.66)

Mac OS
Safari (version 3.0 through 6.0.5)
Mozilla Firefox (all versions)
Google Chrome (version 4.0 through version 29.0.1547.66)

In addition, you must have Adobe’s free Acrobat Reader software in order to view the PDF formatted statement documents. Your computer hardware must be able to reliably run the software indicated above. You are also responsible for maintaining your own connection to the Internet. Furthermore, we recommend that you also have a printer connected to the computer from which you are accessing your First Citizens Online Banking account so that you may print and save disclosures and other information you receive electronically, including your Online eStatement. You understand that you are responsible for installation, maintenance and operation of your computer, computer peripherals, and software. You assume full responsibility of ensuring these requirements are met should any changes be made to your existing computer system. The Bank is not responsible for any errors of failures of your computer or its software.

Choice of Law
This agreement shall be governed and construed with the Laws of the State of Iowa, without regard to its conflicts of law provisions. 


ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving an account at the Financial Institution. The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers. In this Agreement, the words "you" and "your" mean those who sign as applicants or any authorized user(s). The words "we", "us" and "our" mean the Financial Institution. The abbreviation "PIN" or word "code" means a personal identification number.

Online Banking Service Application (Consumer)
Types of Transactions: You may access certain account(s) you maintain with us by computer using your assigned user ID and password by accessing the online banking service. You may use the online banking service to perform the following functions:
* Transfer funds between eligible accounts.
* Obtain balance information on eligible accounts.
* Review transactions on eligible accounts.
* Make loan payments.

Fees and Charges for Online Service:
* Consumer Accounts: No Charge
   Business Accounts: No Charge
   Download Consumer Accounts: $4.95 per month
   Download Business Accounts: $4.95 per month

ATM Card
Types of Transfers: You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the ATM Request Form. At present you may use your card to (some of these services may not be available at all ATMs):
* Deposit funds to your checking account.
* Withdraw cash from your checking account.
* Deposit funds to your savings account.
* Withdraw cash from your savings account.
* Transfer funds between your checking and savings accounts.
* Obtain balance information on your deposit accounts.

Limitations on Frequency and Amount:
* You may withdraw up to a maximum of $200.00 (if there are sufficient funds in your account) per day.
* For security purposes, there are limits on the frequency and amount of transfers you may make using ATMs.

Fees and Charges for ATM Transactions:
* There is no charge for ATM withdrawals at machines owned by us.
* There is no charge for ATM deposits at machines owned by us.
* Fee for Hot Card Status $10.00.
* Monthly Maintenance Fee:
   Heritage Club Members : $1.00 per month
   Premium Checking, Advantage and iChecking: No Charge
   All Other Checking: $1.25 per month.

ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Preauthorized Transfers
Types of Preauthorized Transfers: You may arrange for us to complete the following preauthorized transfers to or from your deposit accounts:
* Pay certain recurring bills from your checking or savings account.

Fees and Charges:
* We do not charge for any preauthorized EFTs.

My Debit Card
Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card with a MasterCard symbol. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the Combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs):
* Deposit funds to your checking account.
* Withdraw cash from your checking account.
* Deposit funds to your savings account.
* Withdraw cash from your savings account.
* Transfer funds between your checking and savings accounts.
* Obtain balance information on your deposit accounts.
* Personalize pin number for card (atm cards are not eligible, only available at atm machines owned by First Citizens Bank).

Limitations on Frequency and Amount:
* You may withdraw up to a maximum of $200.00 (if there are sufficient funds in your account) per day.
* For security purposes, there are limits on the frequency and amount of transfers you may make using ATMs and this Point of Sale service.
* You may purchase up to a maximum of $1000.00 worth of goods and services per day, inclusive of ATM withdrawals.

Fees and Charges:
* There is no charge for ATM withdrawals at machines owned by us.
* There is no charge for ATM deposits at machines owned by us.
* Image personalization of card: $10.00 for each new picture
   Fee for Hot Card Status $10.00.
* Monthly Maintenance Fee:
   Heritage Club Members : $1.00 per month
   Premium Checking, Advantage, iChecking, eMoneyMarket and Health Savings Accounts: No Charge
   All Other Checking: $1.25 per month.
* We do not charge for any POS transactions.

ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Telephone Banking
Types of Audio Response Services: You may access your deposit accounts by using a separate personal identification number (PIN) assigned to you and your account number in our audio response system. At the present time you may use the system to:
* Transfer funds between your deposit accounts.
* Obtain balance information on your deposit accounts.
* Verify the last date and amount of your payroll deposit.
* Determine if a particular check has cleared your account.
* Make payments from checking or savings to a loan account with us.

Limitations on Frequency and Amount:
* There are no limits on the number or dollar amount of inquiries, transfers or withdrawals you may make per day.

Fees and Charges for Audio Response Transactions:
* We do not charge for any Audio Response Transactions.

Other EFT Transactions. You may access certain account(s) you maintain with us by other EFT transaction types as described below.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of the transaction will appear on your statement.
Re-presented Check Transactions and Fees. You may authorize a merchant to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds. The resulting fee transaction if debited as an EFT from a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement.
The following limitations may be applicable to your accounts, except as provided by law:

Liability for Unauthorized MasterCard Debit Card Transactions on Cards Issued to Certain Consumers and Small Businesses. The zero liability limit described below only applies to United States-issued MasterCard branded debit cards issued to natural persons, either for consumer purposes or for business purposes if the card is a "small business" debit card described on MasterCard's website. The zero liability limit described below does not apply if you are an entity of any sort (corporation, limited liability company, partnership, etc.) or if the card is issued to you for business or commercial purposes other than "small business" as defined above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer.

Tell us AT ONCE if you believe your MasterCard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your MasterCard debit card. Your liability for unauthorized use of your debit card with the MasterCard logo will not exceed zero dollars ($0.00) if the following conditions have been met: (i) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (ii) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. If the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law (for example, see Liability for Unauthorized Transfers paragraph below). To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth in the Liability for Unauthorized Transfers paragraph below. This will help prevent unauthorized access to your account and minimize any inconvenience.

MasterCard is a registered trademark of MasterCard Worldwide or its subsidiaries in the United States.

In addition to the limitations set forth above, the following limitations may be applicable to your accounts:

Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, Audio Response PIN, or online banking PIN has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your card or code, you can lose no more than $50.00 if someone used your card or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or code, and we can prove that we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (800) 423-1602, or write us at First Citizens National Bank,2601 Fourth Street SW, Mason City, IA 50401. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

Illegal Transactions. You may not use your ATM, POS, or Debit Card, or other access device for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. Notwithstanding the foregoing, we may collect on any debt arising out of any illegal or unlawful transaction.

Business Days. For purposes of these electronic funds transfer disclosures, our business days are Monday through Friday. Holidays are not included.

Documentation.
Periodic Statement. You will get a monthly account statement from us, unless there are no transactions in a particular month. In any case you will get a statement quarterly. You will get a quarterly statement from us on your savings account if this is the only account you maintain and the only possible electronic transfer to or from the account is a preauthorized deposit.

Terminal Receipt. You can get a receipt at the time you make a transfer to or from your account using an ATM or a POS terminal. However, receipts for transactions of $15.00 or less may not always be available.

Direct Deposits. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (800) 423-1602 to find out whether or not the deposit has been made.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance:
* If, through no fault of ours, you do not have enough money in your account to make the transfer.
* If the money in your account is subject to legal process or other claim restricting such transfer.
* If the transfer would go over the credit limit on your overdraft line.
* If the ATM where you are making the transfer does not have enough cash.
* If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
* If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
* There may be other exceptions stated in our agreement with you.

In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (800) 423-1602, or write us at First Citizens National Bank,2601 Fourth Street SW, Mason City, IA 50401 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.
* Tell us your name and account number (if any).
* Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
* Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.

If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Confidentiality. We will disclose information to third parties about your account or the transfers you make:
* To complete transfers as necessary;
* To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant; or
* To comply with government agency or court orders; or
* If you give us your written permission.

Personal Identification Number (PIN). The ATM PIN, POS PIN or Audio Response PIN issued to you is for your security purposes. The numbers are confidential and should not be disclosed to third parties or recorded on the card. You are responsible for safekeeping your PIN(s). You agree not to disclose or otherwise make your ATM PIN, POS PIN or Audio Response PIN available to anyone not authorized to sign on your accounts.

Notices. All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

Enforcement. In the event either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any Account transaction, the prevailing party shall be entitled to reasonable attorneys' fees and costs, including fees on any appeal, subject to any limits under applicable law.

Termination of ATM, POS and Audio Response Services. You agree that we may terminate this Agreement and your use of the ATM Card, POS or Audio Response services, if:
* You or any authorized user of your ATM PIN, POS card or PIN or Audio Response PIN breach this or any other agreement with us;
* We have reason to believe that there has been an unauthorized use of your ATM PIN, POS card or PIN or Audio Response PIN;
* We notify you or any other party to your account that we have cancelled or will cancel this Agreement. You or any other party to your account can terminate this Agreement by notifying us in writing.

Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Preauthorized Electronic Fund Transfers.
Stop Payment Rights. If you have told us in advance to make regular electronic fund transfers out of your account(s), you can stop any of these payments. Here's how: Call us or write to us at the telephone number or address set forth above, in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. We will charge you $ 20.00 for each stop payment order you give.

Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Other Provisions. There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our Funds Availability Policy to determine the availability of the funds deposited at ATMs. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

Ka'Ching Debit Rewards. Ka'Ching Monthly Debit Rewards Program: 10-19 signature based transactions earn $2.50 per month, 20-29 signature based transactions earn $5.00 per month, 30-39 signature based transactions earn $7.50 per month and 40 plus transactions earn $10.00 per month. Transactions are counted by posting date. Rewards are credited to the checking account on the 10th of the following month. (If the 10th falls on a weekend or holiday, the account will be credited the next business day.)

Eligibility:
Customer must have eStatement
Customer must maintain a $300 minimum daily balance
Customer must have a minimum of 10 signature based debit card transactions during the calendar month

A 1099INT will be issued to interest bearing checking accounts for earned Ka'Ching debit rewards.

SUBSTITUTE CHECK POLICY DISCLOSURE
Substitute Checks and Your Rights

What is a substitute check?

To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks". These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at First Citizens Bank, 2601 Fourth Street SW, Mason City, IA, 50402-1708, (800) 423-1602. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include--
* A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
* An estimate of the amount of your loss;
* An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
* A copy of the Substitute Check

Member FDIC
DEPOSIT PRO, Ver. 14.5.10.004 Copr. D+H USA Corporation 1996, 2015. All Rights Reserved. IA - IA - T:\CFI\TIS\TISDISC

 

  • By enrolling in the uSave Savings Program, First Citizens Bank will round up the amount of all debit card purchases associated with the checking account to the next whole dollar amount and transfer the amount in excess of the purchase from the customer’s checking account to the designated account. The transfers will be made at the end of each business day. Transfers from weekend or holiday debit card transactions will be made at end of the next banking day. If on a business day the customer does not have sufficient funds in the checking account, the Bank will not round up purchases posted on that day and will cancel the daily round-up transfer to the designated account for that day. If a debit card purchase is cancelled or reversed (such as a returned purchase), the transfer will remain in the designated account. First Citizens Bank reserves the right to cancel or modify the uSave Savings Program at any time.

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